Marc Lockley is a money correspondent for Saga Magazine.
When living on a tight budget there is nothing that tastes sweeter, reads better or works finer than when you find something that would typically cost a small fortune but you can enjoy for free.
Flattery, urgency and a focus on commission are all part of the salesperson's ammunition.
The euphoria surrounding an engagement is rapidly followed by the realities of finance. As a parent you want to help, but the cost of a wedding can be astronomical, with the average absorbing over £20,000, with a significant proportion being spent on the reception. Here Marc Lockley shows you how to make your gift go further by having a Champagne reception on an Asti Spumante budget:
Whether it's a faulty product, bad holiday experience or inconvenience, learning to complain effectively will help you receive the recompense you deserve.
Some top tips for approaching the boss about flexible working.