With Christmas on the horizon, many hard-up households are asking themselves how to get gifts for loved ones amid the cost of living crisis.
Energy bills and food costs are rising, and many Brits are struggling for cash.
But personal finance expert Lynn Beattie, better known as Mrs Mummypenny, has plenty of tips to help families have the Christmas they want.
She will be joined by Mirror money reporter Sam Barker this afternoon for a Mirror Facebook Live to run through everything you need to know.
You can ask us a question during the live broadcast, or drop us a line now at: mirror.money.saving@mirror.co.uk.
We'll be covering how to save money ahead of Christmas, how to make some extra cash and all the best cashback schemes available.
Join us today (October 27) at 1pm live on the Daily Mirror Facebook page
We will also explain how to earn hundreds of pounds for free just for switching your bank account, as well as plenty of other tips to max out your Christmas.
Millions of workers will get a pay boost from next month as a cut to National Insurance (NI) takes effect from November 6.
Certain NI contributions paid by both employed and self-employed workers will fall by 1.25 percentage points from November 6.
It means that, over a certain threshold, you will pay 12% in NI instead of the current rate of 13.25%.
The lowering of NI contributions reverses a hike that was introduced by the ex-Chancellor - and now new Prime Minister - Rishi Sunak
The Government claims 28million people across the UK will now keep an extra £330 a year on average in the 2023/24 tax year.
Millions of households are also in line for the second half of a £650 cost of living payment promised by the Government.
The boost is aimed at those entitled to certain benefits or tax credits and is paid in two parts.
The first half was worth £326.
The second instalment, worth £324, will be sent to most eligible households between November 8 until November 23.
Brits will be eligible for the payment if they receive any of the following:
- Universal Credit
- Income-based Jobseeker’s Allowance (JSA)
- Income-related Employment and Support Allowance (ESA)
- Income Support
- Pension Credit
You will be eligible to the £324 if you were entitled to a payment (or later found to be entitled to a payment) between August 26, 2022 and September 25, 2022.
The Warm Home Discount scheme opens again on November 14.
This is a one-off payment of £150 that is distributed directly by energy suppliers by March 31, 2023.
You should get the payment automatically if your energy supplier is part of the scheme and you, or your partner, receive the Guarantee Credit portion of Pension Credit.
