Seven ways to prune your outgoings

Ruth Jackson with seven money-saving tips, including how to make your garden grown on the cheap, and an alternative Christmaas postal service.

Get thrifty in your garden

If you buy a large plant for your garden, split it in three "so that you get two or more plants for the price of one in order to fill your beds faster", says Miss Penny Pincher in The Daily Telegraph.

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Ruth Jackson-Kirby

Ruth Jackson-Kirby is a freelance personal finance journalist with 17 years’ experience, writing about everything from savings accounts and credit cards to pensions, property and pet insurance.

Ruth started her career at MoneyWeek after graduating with an MA from the University of St Andrews, and she continues to contribute regular articles to our personal finance section. After leaving MoneyWeek she went on to become deputy editor of Moneywise before becoming a freelance journalist.

Ruth writes regularly for national publications including The Sunday Times, The Times, The Mail on Sunday and Good Housekeeping, among many other titles both online and offline.