Paul Lewis explains how to make sure you’re compensated for train delays

Q I’ve got a big night out planned and I’d love a new outfit. How can I do it for less? A The ideal situation would be having a friend the same size as you with a stylish wardrobe you could borrow fro

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,

Helping you spend wisely and save more, with money expert Faith Archer

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

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...