Stop the costly text pests who even prey on children 

Our call for tough regulatory action on companies that charge people for receiving unwanted mobile phone texts has received further parliamentary support. Thousands of people are unknowingly paying to receive pestering text messages. Marcus Hardingham and his daughter Ava, 11, (pictured) had to pay nearly £50 for unwanted messages sent to her mobile.

For anyone who wants to give family and friends a British experience that represents value for money, The Mail on Sunday has come up with some alternative present ideas.

Only transactions made directly with a supplier are routinely covered. Resolver's Martyn James (pictured) says you should always appeal a decision not to refund.

Annual cost of owning a dog is £1,700

We all know a dog is not just for Christmas. But the cost of having a canine companion should not be underestimated. Here is how costs such as vets’ bills, boarding fees and grooming all mount up. Kate Shaw (pictured) bought the best pet insurance she could afford for her dachshund

It’s time to vote in our Wooden Spoon Awards

We are launching the ninth annual Money Mail Wooden Spoon Awards. This is your chance to vote for the organisation you think provides Britain's most shambolic service. This year, our inbox has been as full as we can remember. There have been catastrophic meltdowns, as well as niggling problems that just won't go away. Some companies are finding more and more ways to mess up the basics. You say it's common for rude staff to trot out 'computer says no' excuses or send you online when all you want is an accurate bill or a simple mistake put right.

The Government says vouchers should never be sold with an expiry date of less than two years - and has urged the entire industry to set this as a new minimum.

I was paying mobile phone network provider O2 £19 a month for a contract, which included unlimited minutes. I was told I could reduce the cost to £17 a month for 1,000 minutes.

Ten-point guide to beating the rising cost of rail travel

Rail passengers in the UK face the biggest spike in prices for five years. From the start of 2018, prices will increase by an average 3.4 per cent with 'regulated' fares - including season tickets - rising by 3.6 per cent. But there are ways you can fight back and our ten-point guide to help you beat ever-increasing rail fares is a good place to start.

Energy firms have criticised government plans to introduce a price cap on gas and electricity bills.Experts believe customers overpaid for energy by £1.4 billion last year.

The Friday and Saturday before Christmas could be the busiest supermarket shopping days in history, according to consumer panel Kantar Worldpanel.

Only 20% of buildings policies cover heating breakdown

With the mercury plummeting, it would be very bad timing for your boiler to keel over. Especially when only a fifth of buildings insurance policies cover home emergencies such as heating breakdown as standard.

A billion Christmas cards will be sent this month, but if you really want to share in the season of goodwill, ensure that charities also benefit from your greetings. Jan Harvell supports Born Free.

Thousands of people pestered with nuisance texts could be paying to receive them by companies charging fees direct to customers' mobile phone bills. Derek Knowles complained.

So how much do green taxes add to your energy bills? 

Every time energy firms hike prices they blame punitive green taxes imposed by the Government. Just last week British Gas said the levies will add £200 to your bill by next year. Here, we use official data from energy watchdog Ofgem to show exactly where every penny of the average £1,135 annual dual fuel bill goes...

A lack of regulation over funeral plans and how they are sold has allowed for an eruption of websites claiming to be able to compare quotes. Heather Bridger (pictured) felt pressured.

Stick, twist, top up – or discard? These are the options facing thousands of holders of longstanding protection insurance policies. Angela Alston (pictured) was glad of her cover.

Why doesn't the smart meter Eon installed work?

I switched back to Eon this year, after being with British Gas/Sainsbury's Energy for a year, but now it's telling me the smart meter it fitted no longer works. I cannot understand why smart meters that any supplier can read are not being installed, says reader David Ackroyd from Halifax, Yorkshire. Will I really need to get a new smart meter fitted?

Beware of BT's push for long-term broadband deals

BT is pushing customers to lock into long broadband contracts to avoid soaring prices. Standard broadband will increase by £2 a month - £24 a year - from January 7 even if you are in the middle of your contract. If you have faster fibre broadband you'll pay an extra £2.50 a month. The telecoms giant is telling customers they can avoid the hikes by signing up for another 18 month contract immediately.

The idea is simple - using a reflective foil behind your radiator will bounce heat back into the room, rather than letting it seep out through the walls. We ask an expert how much it could save on your bills

It is possible to recoup the full cost of Christmas by kicking off a pre-holiday review of all our other regular expenses. Here's how to do it.

How much does our electric blanket cost to run?

We've started turning our electric blanket on already because our house is quite cold but I'm worried it's going to leave us with a big energy bill. Is there any way to find out how much more we can expect to pay? We have it on most evenings through the colder months.

Every year, I naively believe it will be the one in which the Government wakes up and does something for commuters who part with thousands of pounds for a sub-standard train service.

The cost of alcohol and cigarettes has soared by 169 per cent since 1997, when the Spice Girls ruled the charts, while typical household goods have been inflated at 50.7 per cent.

Bean helps you switch energy or insurance automatically

If you get to the end of the month, look at your bank balance and think 'Where has all my money gone?' it is likely that you need Bean to help get control of what is going on. It scans every monthly expense you have - things like your energy bills or phone bill - and works out automatically if there's a cheaper deal. Then it gives you the option to switch if you want to and, even better, it manages the whole process for you.

With energy bills steadily rising over the past year, one reader asks if he could cut his costs by turning off his fridge freezer overnight.

Ofgem says the current system needs to change to make sure all consumers pay their 'fair share' of charges for using the network  - including those who generate their own electricity.

Why a smart meter could stop your microwave working

Stannah, the UK's best-known stairlift maker, says it is concerned that radio waves emitted by smart meters could cause 'interference' with its chairs. People who rely on the devices to get to their bedrooms could find they grind to a halt halfway up the stairs

The tricks to saving hundreds on a new iPhone X contract

Apple fans can now get their hands on the new iPhone X handset - the most expensive handset ever launched by the tech giant. But with prices starting at £999 for a 64GB model they don't come cheap. So making sure you get the best deal is even more important if you are planning on making the investment.

The British public is being bombarded with millions of illegal phone calls, emails and texts -- flogging everything from credit cards to dog food, booze and boilers. But you can fight back.

Energy price tariffs are in a constant merry-go-round with suppliers constantly battling to pinch customers from each other. We show you how to win.

EDF and First Utility reserve rates for smart meter users

Energy suppliers are launching cheap tariffs that customers can only get if they agree to have a smart meter fitted. Experts say that this is a desperate attempt to encourage more households to get one of the new digital meters, which automatically send meter readings to suppliers.

The average overpayment across the UK was £85 this month, but a quarter of households overpaid by more than £100, a survey of 2,000 people by comparison website GoCompare has found.

Richard Hood, 79, from Chingford, North East London, says he was called out of the blue by BT and told he could get a new phone deal that would save him money.

Best TV packages for watching Sky without a Sky contract 

Sky customers can pay more than £900 a year for their TV services alone, according to new research by Freesat, but at least 95 per cent of the most popular shows across Sky and Virgin are actually available on free channels. Here's how you save on your bill, but still watch your favourite shows.

The British public is being bombarded with millions of illegal phone calls, emails and texts -- flogging everything from credit cards to dog food, booze and boilers. But you can fight back.

The Boots Meal Deal, a popular staple of the British lunchtime, has seen the price jacked up quietly by the high street chemist, This is Money can reveal.

What you need to know about getting a wood burner

The appeal is not just about installing a middle-class fashion statement. According to British stove manufacturer Charnwood, regular use of a wood burner can knock a third off fuel bills, providing savings of at least £400 a year - and the good news is that the new generation are much cleaner for the air we breathe.

How much does my electric heater cost to run?

How much does our electric heater cost to run? It's getting chillier and it is time to turn it on but I'm worried I'm running up large energy bills by having one. We explain why electric heaters tend to be one of the most expensive ways to keep warm - and how you can cut your costs if you need to use one.

I may not be one of those mobile customers who's been ripped off by being overcharged for their handset but I still want out of my contract. I'm going SIM-only and here's how you can too.

Mobile phone providers Vodafone, EE and Three 'routinely' overcharge customers for handsets they have already paid for, a consumer group has found.

Boost your Christmas supermarket savings 

Savvy supermarket shoppers can take advantage of loyalty points and bonus schemes - such as Iceland's two-week bonanza - to ease the cost of Christmas. We reveal how and what rival schemes offer.

The roll-out of smart meters is proving chaotic, prompting calls for it to be stopped. Readers have been in contact in droves, listing a catalogue of problems with the meters.

The 2.6 million households collectively owe £318 million and a third of those either have no plans to repay the debt or can't afford to.

Demand a cheaper energy deal and win 10 years free bills

This is Money's Energy Switch Club is giving readers the chance to win £10k cash, which could cover your energy bills for the next decade. Our collective bargaining turns the switching process on its head and demands that suppliers compete for your business. January's collective switch saw 70,000 people sign up and save £251 on average.

How to switch energy providers and get a cheaper deal

With an avalanche of price rises from the 'big six' energy providers, now is the time to review your energy tariff and consider locking in to a best-buy fixed-rate tariff before energy companies pull them from the market.

EDITOR'S DEALS OF THE WEEK
For current account rewards and interest conditions may apply eg. using provider's full switching service, min deposits and direct debits. For savings, access maybe limited, min/max deposits may apply. See T&Cs. Representative example: If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

Where can you get the best value sports TV bundles?

Sports channels are notoriously expensive though, and finding the right package, at the right price can seem impossible. We have done the hard work for you and looked at all of the different packages whether you are a football fanatic or boxing is more your bag.

This is Money spoke to several insurers who told us if holidaymakers are making a claim on their travel insurance, it may be rejected if there is evidence they were drinking excessively.

Switching your deal could in fact save you a heap of cash with cheap deals costing as little at £1.20 a month.

This is not science fiction, mortgage providers could shun you, insurers may refuse to cover your property and homebuyers can cold shoulder you.

Here are our ten top tips cut the cost of your big day, from getting cashback, to considering cheaper ranges such as the new one from Poundland (pictured) and reselling items online.

Representative example: If you spend £200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable). Credit limits and terms may vary based on your individual circumstances. Balance transfer offers and introductory fees limited to transfer made with 60/90 days of account opening. See product specific T&Cs. * must spend £1k within 3 months

   

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