Have you imagined reaching the age of 100? Quite possibly. But could you imagine still paying off a mortgage worth tens or hundreds of thousands as a centenarian? Possibly not, though if it crosses your mind then seriously consider whether you should, as there are risks. 

If you've got a smartphone, it can be a great tool for saving (and making) money. Here's a rundown of some of the best free MoneySaving apps, many of which can be found on MSE team members' phones. 

Amazon is heaving with Kindle books that are permanently free or 99p. Yet these cheap titles may not always match your virtual to-read pile. In fact, you often have to wade through a lot of very average books to find the good ones. And if you pay full-price for Kindle books and devour several a month, the cost can soon stack up. 

I've found loads of ways to earn free Amazon vouchers. In fact, I reckon over the last year I've earned several hundred pounds' worth. Even after a fair amount of shopping, (which included Christmas presents and fancy Joseph Joseph gadgets for my flat...) I currently have a satisfying £150 sitting in my Amazon account.

There's been a surge in donations to charity shops this month, with the 'Marie Kondo' effect at least partly responsible. Charities want you to take advantage – so we've rounded up our top tricks and tips to help you find the best items...