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Until recently, the high upfront cost of around £2,000 for an electric bike has been a huge barrier to ownership. But a growing number of companies are offering an easy solution.

RACHEL RICKARD STRAUS: Premiums go down as well as up

She was shocked - and thrilled - when this year s quote came in at under half the cost.

Can trendy recipe boxes like HelloFresh really help you to save money and reduce food waste?

Firms such as Hello Fresh and Gousto send customers a box containing a few recipes and all of the ingredients needed to make them.

RACHEL RICKARD STRAUS: I've learned some money lessons

As I look forward, I ve also found myself reflecting on the year gone by and the lessons it taught me that I m bringing into 2023.

Your credit rating could be wrong so don't let it ruin your financial life

Our investigation by reveals that credit scores are frequently riddled with mistakes and inconsistencies and are often poorly understood.