If you’re happy to keep your current mobile phone, ditch expensive contracts that include a fancy handset, and switch to a SIM-only deal instead. The SIM is the chip that slots into your handset and c

Don’t pay more than you need to for your emergency breakdown cover – here’s how to get this essential insurance for less 1 GET IT RIGHT Work out what level of cover you need. The most basic option is

Beware the changes proposed to cut energy debt, says Paul Lewis

You have a little more money to play with in February and March

Get your bank balance back on track in 2026 and ease a financial hangover with my financial detox tips! ◆ Slash interest payments on credit cards by switching with a 0% ‘balance transfer’ deal and pay

Q Do you have any tips on getting a good deal when eating out at restaurants? A I’ve recently discovered First Table, which operates in a number of UK cities. It gives you a 50% discount on food at a