Cash calendar - tips for November

Christmas - a particularly expensive time of year - is approaching but there is still time to free up some cash to pay for the celebrations, an expert says.

The BBC News website asked the independent Money Advice Service to deliver a calendar of month-by-month tips for those trying to keep their personal finances in order.

Nick Hill, from the service, says that in November it pays to keep costs down, but clearing some clutter from your home may help to pay for the festive season.

Video Journalist: Kevin Peachey