Consumer Features on Tiscali Money: News on the burning consumer issues of the day

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Your problems
SkyCard's the limit for taking my liberties
'Twas the season to be jolly - but now January's here it's time to settle the bill for all that goodwill
Thousands of shoppers who over-flexed their plastic on Christmas presents will be dreading checking, let alone paying off, their credit card balances.
That present has just got to go back - but will the shop take it?
With high-street stores facing what for many will be their worst year of trading, you should get a warm greeting if you pop to the shops in the coming months.
If you're struggling with debt the best advice is free online
Has your purse taken a pounding over the last couple of weeks? Here's our selection of websites to lend an online hand:
If you want it, rent it ... from a 'must have' handbag to an Aston Martin
The rental market is booming: only this particular market has nothing to do with landlords and tenants, and everything to do with televisions, lawnmowers and designer handbags.
Get real: your debts won't vanish by magic, so start tackling them now
There is no getting away from the fact that millions of us are going to feel stressed out by our finances over the next year as the recession takes hold.
For the real spirit of Christmas past don't let your rubbish go to waste
For many of us, it's back to work tomorrow.
Don't panic if your online tax return is rejected
Taxpayers who have to complete a tax return by the end of this month could find themselves up against two extra problems in 2009: they may struggle to complete the form online, as they are now required to do, and some will not have the cash to pay any tax they owe on 31 January.
The reporter
Happy new year!
So you want to swap that unwanted Christmas gift. What are your chances?
No sooner have you finished hitting the stores to do your Christmas shopping than it's time to fight through the crowds again to return unwanted gifts.