For many of us, this year has been one of significant financial change. The international ‘CRedit CRunch’ and the ongoing global recession has brought the banking industry to its knees leading to pay cuts, job losses and rising unemployment. So is there light at the end of the tunnel?

Two and a half hours of exercise may sound like a lot but it doesn't have to be done all at once. In fact, experts believe even just three 10 minute bouts of aerobic exercise such as brisk walking, cycling and even just jumping up and down on the spot each day can have a huge impact on our weight and our health helping us to look better and live longer.

Another over-indulged Christmas in the waistline department? Whatever your preferred choice of weight loss programmes, this tried and tested method guarantees to trim those extra mincetarts from your hips...