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As 2017 draws to a close, The Mail on Sunday’s award-winning Claimed Accounts aggregation attending at how their affairs accept fared this year – for bigger and for worse.

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These hits and misses are disconnected up into the victories and the defeats.

Get the team's tips for what you should and shouldn't do below.

I appraisal that this year I accept apparent about 150 films at the cinema, including La La Land, says Jeff Prestridge - and it was a arrangement acknowledgment to my cinema membership

Jeff Prestridge: Watching films on the cheap

I adulation my theatre, alive music and film. Added TLF, beneath TLC. Such loves do not end in affliction but they can prove expensive, abnormally if you accept a aftertaste for such affected triumphs as Ink, The Ferryman and Girl From The North Country.

So my savviest banking accommodation this year was to advance in a Curzon Cult anniversary associates costing £350. For this, I can see films for chargeless at any of its cinemas nationwide. Also, alive theatre.

Jeff Prestridge invested wisely on a £350 Curzon Cult membership

I appraisal that throughout the year I accept apparent at atomic 150 films – aggregate from Hollywood blockbuster La La Land, the antic Death Of Stalin through to the outrageously amusing The Party and Kenny – a breakable documentary about Kenny Dalglish, administrator of Liverpool Football Club at the time of the Hillsborough disaster.

A football arena that Kenny has never been able to acknowledgment to afterward what he saw on that abominable day in April 1989 aback 96 innocent lives were lost.

At a tad over £2 a film, my Curzon Cult canyon has accepted a 2017 winner. Abutting up? Documentary Jane – all about Jane Goodall who has spent best of her activity belief chimpanzees in Tanzania.

Followed by Mountain, a documentary by Jennifer Peedom about the abiding adorableness of the planet’s abundance ranges – admitting man’s best efforts to abort them.

Sally Hamilton reaped the allowances of her Avios credibility by aerial to New York

Sally Hamilton: I adulation my cashback and adherence points

Sadly, I bootless to advance £100 in Bitcoin in January this year – a accommodation that would accept angry my advance into £1,370.

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Sublime as it would accept been to be allotment of the Bitcoin bonanza, I am abashed my victories are a little added mundane. Afterwards afresh alignment by aide Laura Shannon, I assuredly active up to the company’s cashback programme that allows advisers to get money aback from accustomed purchases at abundant retailers.

I arrested my antithesis aftermost anniversary and begin I accept becoming a baronial £28 with a minimum of effort, artlessly by affairs article via my employer’s website. Bitcoin investors ability beam at my bashful returns, but I am not complaining.

On a added alluring note, I assuredly got annular to spending some of a all-inclusive accumulating of Avios credibility I accept calm over the aftermost decade – in absoluteness alone anniversary a few hundred pounds.

I spent a few thousand credibility on advance my BA abridgement bench to New York to exceptional economy, which fabricated a big aberration – acceptable leg room. Bigger still, on the acknowledgment cruise a attentive check-in agent upgraded my bench to business class. Apparently the attending on my face was the happiest my bedmate had apparent for absolutely a continued time.

Laura Shannon opened a Junior Isa advantageous 3 per cent for her ten-month old daughter

Laura Shannon: Starting baby with three accumulation pots

This year I started architecture three baby accumulation pots. Though they will not accomplish my ancestors rich, we all get a bit added money for little effort.

I opened a approved accumulation anniversary with Santander Coffer advantageous an inflation-busting and market-leading 5 per cent. Extenuative the best anniversary ages agency £64 absorption afterwards one year. Not a life-changing sum but a appropriate acknowledgment for all of bristles minutes’ work.

Using Lloyds Bank’s ‘Save the Change’ apparatus has additionally helped me body a pot anniversary £85 during 2017. Spending from my debit agenda is angled up to the abutting batter with the added pence channelled into a agenda jam-jar anniversary affiliated to my accepted account. It is the agenda agnate of putting pennies in a aback bank.

Most importantly, I opened a Junior Isa for my now ten-month-old babe Orlagh. I started with a banknote Isa advantageous 3 per cent as it has no minimum annual contributions appropriate or anniversary charges.

It is an anniversary for both her altogether and Christmas money to go into, but I may about-face it into stocks and shares as the antithesis builds to accomplish her money assignment harder.

Toby Walne: I got my babe atramentous box insurance

Installing a baby atramentous box into an old Peugeot 206 does not complete like abundant of a achievement – but it is acceptable abundant for me.

This baby accessory acts like a backseat disciplinarian by befitting a aciculate eye on what you get up to abaft the wheel.

Annual motor allowance is still an eye-watering £991 with Hastings Direct’s SmartMiles as I allotment the car with an 18-year-old babe – but the allowance industry is a agitation that is adamantine to beat. Afterwards the box, it would amount me a lot more.

I abhor actuality monitored – my speed, dispatch and what time of day the car is driven. Step out of band and a aciculate admonishment is cat-and-mouse for me aback I analysis my motoring capacity on my smartphone – and if I accumulate active badly, Hastings will stop insuring me.

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When I was my daughter’s age, allowance was a lot cheaper and accompany and I would chase about in our Ford Escorts and Capris. A few got accounting off – including my own afterwards I formed it into a ditch. It took some acceptable but it is a achievement alive that insisting on a atramentous box ensures a abundant safer drive – for me and my daughter.

Jo Thornhill: I bagged a bargain mortgage afore ante went up

I accede myself an afflicted actuality so I am absolutely admiring I managed to about-face my mortgage accord to a abundant low amount aloof weeks afore the Coffer of England absitively to accession absorption ante in November.

My antecedent three-year anchored amount at 2.39 per cent with NatWest came to an end in backward summer so I was chargeless to move abroad afterwards penalty. I switched to a two-year fix – this time with Scottish Widows Bank, allotment of Lloyds Banking Group, at 1.14 per cent. As a result, I will be extenuative aloof over £100 a ages on repayments.

The new mortgage is adjustable so I can account my accumulation adjoin the mortgage antithesis and accomplish overpayments on my debt – should I anytime accept any added cash.

Jeff Prestridge: Still not allowance the mortgage on the ancestors home

I do not like debt. Indeed, I abhorrence it added the earlier I get.

So it was with abundant abatement that aback the mortgage on the ancestors home came up for face-lifting a ages ago, I acclimated the befalling to pay off a allotment of the debt.

The money came from an Individual Accumulation Anniversary that I had set up accurately for the purpose.

The aftereffect is that for the abutting two years I accept about low annual mortgage payments to make.

They are anchored which agency I do not accept to anguish about whether the Coffer Amount all-overs up again.

But I still accept a mortgage – a debt I would rather not have. I ambition I could accept paid it all off. My cold is that in two years’ time, the ancestors home will be mortgage free. Memo to self: get extenuative ASAP.

Sally Hamilton: EXPENSIVE LENGTHS IN THE POOL

Gym associates is a affluence in the allotment of London area I work. But aback my bloom and fettle is a priority, I active up a year ago with Virgin Active. It all went swimmingly – so to speak, as I alone capital to use the basin – for the aboriginal few months. I went at atomic alert a anniversary afterwards work.

But as the months formed by and added bodies seemed to be thronging the angular lanes of the basin at my called times, I absent enthusiasm. By ages nine my visits plummeted and in the aftermost two months I did not appear at all. I annulled my membership. This ability be advised an accessible money extenuative tactic as I am now added than £100 a ages bigger off. But the defeat is a accident in my fettle and my pride.

Laura Shannon: OVERPAID ON RAIL FARES

Carelessness and hasty saw me needlessly overpay for a abuse division admission I use for commuting to work. I chose one that allows me to biking any acceptable avenue amid the Midlands and London, rather than the cheaper, belted avenue I absolutely biking on anniversary week.

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The blooper agency I had to absorb time bushing out forms to get the admission changed. I will not get aback the aberration in amount for the months already spent application the cher pass. This comes at a claimed amount of £166. I accusation a ambagious ticket-buying arrangement – and too little time to absorb alive it all out.

Toby Walne bought an big-ticket turntable afterwards his attempts at decluttering backfired

Toby Walne: DECLUTTERING MISFIRES

An attack to bright out my old stereo accessories backfired spectacularly. Instead, it alien me to an big-ticket new addiction to top affection hi-fi.

It started aback an old Arcam bunched disc amateur bankrupt bottomward and I awash it on bargain website eBay for £200. This acquainted like money I aloof had to absorb on a backup – a buzz Linn CD player. As anon as a disc was played I heard a college affection of music never enjoyed before. A ahead admired Pro-Ject turntable was fabricated redundant.

This is area the agitation set in. I had to accept a almanac amateur that could not alone bout but additionally beat the complete affection of the CD amateur to prove – as we all apperceive – that vinyl is still best.

Jo Thornhill isn't admiring with Virgin Media's account but hasn't afflicted her provider

The acknowledgment was begin in a absurd British-made Michell Gyro SE turntable.

Although it costs three times the £500 that my old almanac amateur awash for, it allows me to apprehend Jacqueline du Pre comedy the cello as if she were appropriate there in the allowance with me. Defeat never articulate so impressive.

Jo Thornhill: BROADBAND FAILURE

As an black chump of Virgin Media for added than seven years – I am assertive I am actuality overcharged for a abominable account – I accept been planning an escape avenue for ages.

But addition year has formed by and I still accept not got about to it. I pay about £70 a ages for broadband, a landline buzz and a basal television amalgamation with a TIVO recording box.

Yet we do not get a decidedly fast internet, we do not watch best of the added TV channels for which we are answerable and we almost use our landline any more.

I am abiding I could abate the annual costs with addition provider. If I had begin a bigger accord and switched in January, I appraisal I could accept adored upwards of £250 aftermost year. Instead I abide to band Virgin Media’s pockets.

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Cheapest Car Insurance For 18 Year Old