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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

NO-NONSENSE SOLUTIONS TO EVERYDAY HASSLES

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

Try our just-for-fun quizzes and brain teasers – plus there’s a chance to win cash and prizes over the next few pages!

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...