Christmas can be such an expensive time, but there are so many little ways to make your money go further - and even earn an extra few pounds! Here are some of my favourite tips, tricks and apps I’m using this year to top up the Christmas fund.

I know how tempting it can be to overspend at this time of year. I’ve definitely had Christmases where we’ve run up credit card debt and spent January stressing about it. But it’s so important not to lose sight of what Christmas is really about. So, this is your reminder of how to keep Christmas meaningful at home.

Baby showers are such a lovely way to celebrate with everyone before your newborn arrives but they can also get very expensive. You don’t need to spend a fortune to have a memorable baby shower!

Let’s face it: starting university is both exciting and a little nerve-wracking (and that’s without getting to the money side of things!) But with a few smart tricks, you can keep your wallet a little happier too!