It's December and many of us will be hitting the high streets for the cheapest bargain, and Personal Finance Editor at the Independent is here to guide you through all the best deals.
Your rights when returning online goods
After all the Black Friday and Cyber Monday madness, Simon explains what your rights are when it comes to your rights when Christmas shopping online. New distance-selling rules protect online shoppers from being stung by hidden costs, late delivery and rip-off charges.
Companies which charge an upfront fee for passing hard-up borrowers to payday lenders and others will face strict new rules from January.
Barclays and Coutts have launched face-to-face video editing for upmarket customers, but it will soon be offered to all.