Your questions answered

Q

Do you have any tips on how to make next Christmas less expensive? S Reynolds, Warwick

A

We might have only just had Christmas but you can save on next year if you’re savvy. Cards and wrapping paper are often heavily discounted after Christmas and you could look for gifts in the sales too, but don’t just look for big reductions; make sure they’ll be suitable for a loved one next year and don’t forget about them! And the sooner you start saving for next Christmas, the more you can spread the cost. But as always with Christmas, never feel under any pressure to spend more than you can afford. Always look at your budget and decide how much you can spend based on that.