The so-called 'January sales' seem to be getting earlier every year, with many now starting online well before Christmas. With the sales in full swing did you or will you take advantage? Choose the option that’s closest to your situation…

It's Christmas, so for this week's poll, we're forgetting about money and going for a bit of fun. We've selected some of the most loved Christmas songs – choosing the best known version – and we’d like you to pick your favourites. Please vote for your FAVOURITE THREE (if yours is missing, feel free to vent in the forum discussion).

From broadband to 0% cards, many of the best deals are short-lived, then you pay more. We want to find out which products you’re most likely to switch once the initial good deal ends. Please ONLY ANSWER FOR PRODUCTS YOU HAVE/HAVE HAD RECENTLY... and base it on what you actually do, not what you'd like to think you do.

With the festive season nearly here, parcel delivery firms are zipping around the UK helping out the big man in the red suit. Yet sadly parcel delivery horror stories abound - ranging from no-shows to “they threw the goods over the fence” or “they lied that we weren't in”. So it’s time for our annual poll to work out who are the good guys and who are the cowboys... Please rate your experience with each of these firms DURING THE LAST YEAR (don’t rate if you haven’t experienced their service).

Winter’s here which means energy bills come to the fore – and poor service can cause real harm. So we’re doing our regular feedback poll to find out how each company is performing. Please rate your current supplier’s SERVICE (not price) over the last SIX MONTHS (or less if you’ve recently switched). If you’ve gas and

From next April, maternity leave can be transferred to men for the first time (or the other partner in a gay relationship - see here for more info). We thought we’d test how desired this actually is. So please choose the option closest to how you would WANT to do things in your case:

Call centre haggling can provide big savings – whether it be digital TV, broadband, credit cards, breakdown cover, insurance and more. Each year we try to gauge the success rates of those who've done it. So please let us know whether you gained cheaper prices, extra goods, better deals or reduced interest.

There’s an old adage that says: “Take care of the pennies and the pounds will take care of themselves.” But does it still ring true? Reports suggest many people just leave their change if it’s only a penny (or pennies). What do you do? Please choose the option closest to your USUAL way of behaving:

Simple question – how much do you pay for your mobile in a typical month? If the amount varies, give us the rough average. This should include all costs. Please choose ONE option closest to your circumstances:

The clocks have gone back an hour – we've left British Summer Time behind and are now back on Greenwich Mean Time (GMT) until the spring, when the clocks will jump forward again. This means relatively more light in the morning but less light in the evening during the winter months. What time do you think our clocks should run on?