Money Insurance Travel Motoring Utilities Mobile Phones Shopping Broadband view the online version recommend a friend There's a chill in the air and it's not just from the weather. With more gloomy economic news it's time to look to brighter things. We've compiled some holiday tips for those planning to escape from it all for a week or two. If you're staying at home, then get yourself primed to benefit from falling energy prices. Consumers aren't set to see gas and electricity bills fall until the New Year but many households could slash their energy costs in time for Christmas by switching to a cheaper deal.... Clare Francis, Site Editor, ask Clare a question  articles  money - savings I loans I current accounts  community - forums I weekly poll I video TOP 10 WINTER HOLIDAY TIPS NEW Save money with this week's leading deals HMV- Up to 70% off Pizza Hut - 50% off when you spend 40 Borders - 20% off Holiday Inn - 2 nights for the price of 1 Buy a Gift - 10% off Know of any other special offers or have a money saving tip of your own? Post it on our forum and be entered into a prize draw to win 100 of gift vouchers Social Media watch us on          follow us on "Millions of Brits will head abroad over the next few months whether it's to hit the piste, do some Christmas shopping or top up on some winter sun. We offer our top 10 tips to ensure your holiday goes without a hitch... ."read more Ice travel money - includes free home delivery Compare travel money products including credit cards, prepaid cards and foreign exchange Which credit card is the best for travel? DON'T DELAY: SWITCH ENERGY PROVIDER TODAY " With energy prices having rocketed throughout 2008 and no price falls expected until the New Year, you must act quickly if you want to save money on your winter bills. We'll show you the best deals and how to reduce usage..."read more Compare tariffs from UK gas and electricity providers What do you think about your energy bills? CREDIT CARD PITFALLS " There is a whole raft of potential catches you need to watch out for when using or applying for a new credit card. We highlight the most common ones to ensure you don't get caught out... "read more Virgin Credit Card - 0% on balance transfers for 16 months Compare more than 300 credit cards Have you fallen victim to a credit card 'scam'? WHAT TO DO WITH YOUR MORTGAGE SAVINGS " Inflation is falling, further interest rate cuts look to be on the way and millions of homeowners are already benefiting from lower mortgage rates. After a tough year, money worries may be easing, but what should you do if you have cash to spare each month?... "read more Virgin Credit Card - 0% on balance transfers for 16 months Compare more than 4,000 UK savings accounts Is it realistic to buy a second property? money The following Sponsored Products can be applied for via moneysupermarket.com. To see a complete list of products please use the link below each table. Loans Savings Accounts Current Accounts Debt getting you down? Why not consolidate with a loan? Provider APR Typical APR Proceed Platinum Loans 7.8% 11.4% Proceed Halifax - (semi-exclusive) 8.6% 8.6% Proceed Bank of Scotland - (semi exclusive) 8.6% 8.6% Proceed Alliance & Leicester 8.7% 8.7% Proceed Sainsbury's Personal Loan 8.9% 8.9% Proceed  Compare over 550 loans Time to save? Take a look at our savings accounts Provider Account AER Details ICICI HiSAVE Fixed Rate Account HiSAVE 5.75% Proceed Sainsbury's Finance Internet Saver Internet Saver 3.50% Proceed First Direct Everyday eSaver Everyday eSaver 2.75% Proceed Alliance & Leicester Online Tracker Online Tracker 6.00% Proceed  Compare over 4000 savings accounts Looking to switch current accounts? It's easier than you think. Below is a selection available right now Provider Notes Apply/ Details Alliance & Leicester Premier Direct Current Account 8.50% AER, Interest free O/D 12 mths Proceed First Direct 1st Account 250 Interest Free, then 15.9% EAR Proceed  Compare over 300 current accounts    including basic bank accounts Rates valid on 21/11/08. Terms and conditions apply. Please see moneysupermarket.com for further information. community Have your say in our poll, get involved in a forum discussion or watch our expert videos. Forums Expert Video Weekly Poll Take a look at the latest hot topics on our forums, follow the link and join in the discussion. Which credit card is the best for travel? Is it realistic to buy a second property? What do you think about your energy bills? Have you fallen victim to a credit card 'scam'? Take a few minutes to view our experts discussing some of the hot topics at the moment. M&S Money on travel money 18 November 2008 Clare Francis, Site Editor Abbey on recent savings changes12/11/2008 Implications of rate cut 11/11/2008 MPC Decision 11/11/2008 Will you be cutting back on spending this Christmas? Yes - Definitely. I'm really worried about how I'm going to afford Christmas this year. Yes - To a certain extent. I'll have to make some cutbacks. No - I've been saving through the year so I can afford Christmas. No - don't have any money worries, so it'll be the same as any other Christmas. Rates valid on 21/11/08. Terms and conditions apply. 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