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Moremoney: Cheap festive train tickets | Shift card debt and earn PS35 | Cracking Xmas credit cards

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Good news on parking, but look out for looming insurance hike
A mixed bag for motorists this week. The good news first - you now have 10 minutes' grace after a parking ticket expires before a private parking attendant can issue you a fine. That's been the case on council-run car parks for a while, so this has made things a little bit simpler. If you still do get a fine, and feel it is unfair, you have a right to appeal - get the full details.

A less cheery development is the impending rise in Insurance Premium Tax - the tax added to the cost of products such as car and home insurance - from the start of November. This makes it even more crucial than before that you take steps to find the cheapest deal you can - luckily we've got a quick video explaining 5 ways to slash your car insurance costs.

Lastly, if you have recently moved house or are about to, sorting out your gas and electricity bills can be a pain. We've teamed up with the Department for Energy and Citizens Advice to answer your questions in a live webchat on October 21.
  Dan Plant
and his panel of experts
bring you the latest from
In this issue
Cracking credit cards for your Christmas shopping
Buy your festive train ticket today and save £££s
Shift debt and earn £35 with this top credit card
Video 1
Switch energy supplier in 5 simple steps
Like it or not, the colder months are just around the corner. And that means it could be worth switching your energy supplier. Follow our 5 simple steps… Watch »
Video 2   What if I want to stop cold callers? Watch »
Fed up with calls asking you about an accident you didn't have? Here's how to kiss them goodbye…
Video 3   60 seconds to save: Broadband Watch »
Will our broadband quiz short-circuit the Nicholas family? Watch to find out…
Video 4   How will an interest rate rise affect your mortgage? Watch »
With interest rates expected to rise in the coming months, find out what this means for you…
Watch more videos
Hot Topic
Cracking credit cards for your Christmas shopping
It's hard to believe, but December 25 is less than three months away. So if you're thinking of applying for a credit card to help pay for this year's festivities, now's the time to do so. Choose wisely and a credit card can help you to spread the cost of Christmas interest-free, or even give you cashback on your festive spending. Here's Rachel Wait with more details. Read more  »
Other headlines
Drivers get a fairer deal on parking fines – find out why here
Insurance tax rise makes shopping around essential – rate change means we'll all pay more
Got an offset mortgage? – how new compensation rules could affect you
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