At this time of year when many of us have expensive bills to pay, how can you make some extra cash?

If you’re getting deeper into debt or you’re running out of money at the end of the month, you have two options: to cut down on what you spend or to bring in more money. Cutting down what you spend should be the first option, but if you can’t make anymore cutbacks, how easy is it to make more money? Here are some suggestions.

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Banks now make most online and phone payments within minutes, so what can you do if there’s a mistake?

A couple of days ago a headline caught my eye. Someone had written about the fact they’d wrongly received a £250,000 payment. It’s not the first time mistakes like this have happened, and the fact that, since January 1st, most phone and online payments are processed within hours means there’s less time to stop one you’ve sent to the wrong person. What are your rights?

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Do you have the same rights if you buy something in the sales? And can you get your money back if you don't like what you've bought?

If you’re shopping for a bargain, in a shopping centre, high street or online, I hope you find what you’re looking for! But what happens if you don’t or if, you think you do, but discover there’s a problem after you’ve paid? According to Consumer Direct, problems with clothes are consistently amongst the top ten complaints they receive, with over 20,000 complaints in 2011. Not surprisingly, it says that January is the busiest for complaints about clothes (around 40% higher than during the rest of the year).

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