Money matters

Take care before you “splash the cash” at Christmas, warns money expert Stephanie Hawthorne. I HAVE such fond memories of my childhood. At Christmas, my parents usually bought their seven children pre

A financial present for your grandkids could be the perfect festive offering. Is money a better option than gift cards? And might setting them up with their own pension actually be the best long-term present of all?

Q I’d like to help others this Christmas but my budget is limited. Do you have any tips? A There are lots of ways to help others that don’t involve money. Are there any local charities near you lookin

Q I’ve tried the 50/30/20 method of budgeting, but found it too difficult. Is there an alternative? A50/30/20 budgeting involves allocating 50% of your income to essential spending like rent and food,

There are ways to give money without liability for inheritance tax, says Paul Lewis

Just 23 sleeps until the big day – make sure you’re not wasting cash in the run-up to Xmas. Financial strategist Laura Linden, of Feisty FD (feistyfd. com), shares some savvy reminders...