Of course there will be bargains on Black Friday but there will also be retailers looking for ways to package up items as good deals when they are nothing of the sort — here are some ways to make sure you are clever about your spending activity this year

Charity shops can be handy for toys. They allow you to say yes to a child you’ve been saying ‘no, that’s too dear’ to all day in the New Toy shop

Many of us have more money than sense and the planet won’t let us carry on like this forever. But, for now, we can thank the middle aisle for helping us through the pandemic