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The clocks are about to go back, it's dark by teatime and the rain hasn't stopped all week. So what did I do? I sat scrolling through my holiday photos with a cup of tea, and found this one. Blue sky, clear turquoise sea, soft white sand. I could almost feel the sun on my face! To be honest, it got me thinking. If I want another day like that next year, now is the time to start saving. A little bit put away each month goes a long way, and it means no panic and no holiday on the credit card....

Halloween is just over two weeks away and the shops are already full of pumpkins, costumes and sweets. Every year it seems to cost a bit more, and to be honest it's easy to get carried away. One minute you're popping in for a bag of sweets and the next you've got a light up skeleton in your trolley! So here are the little things I do to keep Halloween fun without spending a fortune. Set a budget first Before I buy a single thing, I decide how much I'm happy to spend. Sweets, decorations,...

The clocks are going back and the nights are drawing in. Here are the simple little habits that help me keep my smile on through the dark evenings.