How do you fare with money? There are two core skills, how good are you at them? Budgeting – personal money management and spending within your means Product skills – regularly switching so you're with the best buys and not overpaying for products.

January is perhaps the cheapest time of year to do Christmas shopping – so have you been out buying presents and decorations? Which of these is closest to your situation?

If you eat out with friends, when it comes to paying…

As internet shopping grows, parcel delivery is becoming a regular part of our lives. Yet complaints range from no-shows to “they threw the goods over the fence” or “they lied that we weren't in.” So we want to find out who are the good guys and who are the cowboys. Please rate your overall experiences with these major firms (don’t rate if you haven’t used them).

Gas and electricity bills are on the rise. All the big six providers have hiked prices (or are about to) by about 10%. The market is meant to be competitive, but have you taken advantage? If not, read the Cheap Gas & Electricity guide. When did you last switch energy provider?