HOW TO CLAIM FOR FLIGHT DELAYS

Lift your spirits this winter with a fabulous break in sunnier climes. Prima ’s travel expert, Jane Anderson, suggests where to head to beat the January blues

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

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,

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

Enjoy a European capital, where your city break meets festive sparkle