Money matters

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

Start right now! It’s the best way to keep calm, make informed choices, allow a little flexibility and spread the cost. You’ll be able to reap the rewards of being super-organised nearer the time. Set

Could you be in line for a cash boost this festive season with these tips? 1 REAP IN RENT While it’s important not to overstretch yourself for Christmas, earning some extra money at this time of year

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,

It’s beginning to look a lot like Christmas; Soon the bells will start, And the thing that will make them ring, Is the carol that you sing, Right within your heart IT is a song we have loved for decad

How to judge festive sale offers and avoid the hype