Dear Holly, Money is really tight at the moment, due to the credit crunch, and I was hoping you could offer me some tips to save money. Once I've paid my Sky subscription, stocked up on fags, and paid for my 20 lines on the National Lottery, there's barely any cash left for other essentials, like the weekly payments on my plasma TV and designer labels for my kids. I've managed to save some money by getting our tea down the chippie every night, rather than paying through the nose for new-fangled vegetables in the supermarket, but it'd be nice to treat myself to a wee luxury now and again if I could only afford it. Cilla, Hull

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