Weekly Money: round-up of the personal finance stories you may have missed 10-14 November

Overcharging on energy bills; payday lenders charge capped; Barclays’ savers warning; new credit card deals; cheap Eurostar trips; the stories we noticed this week.

Overdrafts: What you need to know about getting the right deal

Video: Simon Read tells you what you need to know about how to handle going into the red

Many savers are unknowingly stuck on rubbish accounts that pay practically nothing

Move your savings for more interest and beat the 0.1% trap

A common trick is to have a 12-month introductory bonus rate on savings

Hard-pressed families face growing energy bill worries

As the weather worsens, the number of warnings about hard-pressed people facing energy bill woes grows. More than 15 million households plan to ration their energy use this winter because of sky-high costs, the comparison service uSwitch said this week.

Bargain Hunter: Energy savings mean Christmas lights don't have to come down

LED Hut has launched a new range of Lumilife LED Christmas lights for 2014, and Bargain Hunter readers can get an exclusive 25 per cent discount on them.

Mark Dampier: We're not all doomed and shares in British firms have fallen too far

The years following the financial crisis have been uneasy for investors and fund managers alike. Wider economic, or macro, concerns have dominated news flow. These issues can be worrying, yet the interpretation of macroeconomic events by many commentators has been wrong.

Questions of Cash: Punished by Northern Rock's tough new loan rules

Q. My wife and I took out a repayment mortgage with Northern Rock in 2003. In 2009 we requested that we be put, temporarily, on an interest-only arrangement. This was agreed, after which we both entered into an IVA (an individual voluntary arrangement).

Money Insider: A chance to donate to the Royal British Legion as you spend and save

Many people will have made donations in support of the Royal British Legion ahead of Remembrance Sunday.

Sean O'Grady: "I'm irrationally loyal to my bank. But that doesn't mean I'm wrong"

Most of us are creatures of habit. Consider, reading this as you are, newspapers and websites. Certainly, in the case of the former, readers are astonishingly loyal to a given title, and indeed their social and political outlook can be defined by the paper they read. They rarely switch.

Derek Pain: Will the festive season provide a boost for the stock market?

Could shares recover from their recent savage retreats and still manage to hit an all-time peak before the new year? Only last month many were banishing such thoughts, but there is now an outside chance that the perennial optimists, banking on the traditional festive run materialising, could after all emerge victorious.

Simon Read: If we want to shake up current accounts, we could go back to paying for them. Why not? Free banking is a myth

When I mentioned to my wife on Thursday morning that the Competition and Markets Authority had launched a full investigation into the current account market, she sighed:. "Another one?"

Simon Read: Switching and comparison sites and how to waste energy

The Big Deal energy-switching scheme claimed last month that comparison sites are misleading consumers by only showing them results from companies that pay huge commission.

First Utility promises to cut switching time

Government hopes to force gas and electricity firms to reduce switching time to just 24 hours

Doorstep crime getting worse as crooks target elderly and vulnerable people

Doorstep crime is getting worse. Older and vulnerable people in particular are being targeted by unscrupulous crooks who knock on their doors and pressure them into paying extortionate prices for unnecessary jobs or goods.

Emma Lunn: "Don't buy a financial product because of the gimmick"

Another day, another press release arrives offering a freebie in order to lure consumers into buying a particular financial product.

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It is expected that the tax, to be introduced in April, will raise £1.3bn over the next five years
State pension rise; Overdraft charges; Phone scammers; Credit broker crackdown; Video banking; the stories we noticed this week
Money
For whom the Christmas bells toll? Shoppers should be wary of 'bargains' and 0 per cent deals on credit cards
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The first website that allows travellers with pre-existing medical conditions planning a cruise to compare policies and buy cover has been launched at Allclearcruise.co.uk
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Pension liberation schemes; Home loan wars; Credit card problems; Mortgage woes for those in their 30s and 40s; home delivery problems; the stories we noticed this week
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Video: Simon Read offers some advice on ensuring you enjoy Christmas without the financial hangover
Money
The LED Hut range could help you cut festive bills for years to come
deals
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Booming alternative finance; current account probe; payday loan ad banned; tax avoidance; energy bill woes: doorstep crime; the stories we noticed this week
Money
Bergans is among the ski brands whose prices are going downhill
deals
Money
Gifts such as iPads have been used to tempt mortgage hunters, but the value should be in the home loan itself
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Money
Spooky homes; Junior Isas; your Section 75 credit rights; tax avoidance; tax deadline: help with energy bills; the stories we noticed this week
Money
If you think that the kind of car dealer portrayed in Minder by Arthur Daley has been consigned to history, think again. If you can haggle on the forecourt, you can get massive discounts on a new car, reckons What Car? The magazine's mystery shoppers this month managed to negotiate a discount of 31 per cent - a saving of £18, 650 - off the price of a BMW 7 Series as it was about to be replaced by a newer model
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See How to Train Your Dragon 2 cut-price at a Vue cinema
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Money
The Independent’s Personal Finance Editor Simon Read talks over the latest news with Luke Blackall
Money
Struggling millennials, soaring energy bills, stock market woes and warnings of bank scams: the stories we noticed this week.
Money
The people’s lenders: The peer-to-peer services can be less bureaucratic and less bloody minded than the banks
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Simon Read gives hints and tips on what to do with your money this week
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    Jesus Christ has become an unlikely pin-up

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    Christmas cocktails to make you merry: From eggnog to Brown Betty and Rum Bumpo

    Christmas cocktails to make you merry

    Mulled wine is an essential seasonal treat. But now drinkers are rediscovering other traditional festive tipples. Angela Clutton raises a glass to Christmas cocktails
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    Fifa's travelling circus once again steals limelight from real stars

    Club World Cup kicked into the long grass by the continued farce surrounding Blatter, Garcia, Russia and Qatar
    Frank Warren column: 2014 – boxing is back and winning new fans

    Frank Warren: Boxing is back and winning new fans

    2014 proves it's now one of sport's biggest hitters again
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    Jeb Bush vs Hillary Clinton

    Karen Tumulty explores the power dynamics of the two first families
    Stockholm is rivalling Silicon Valley with a hotbed of technology start-ups

    Stockholm is rivalling Silicon Valley

    The Swedish capital is home to two of the most popular video games in the world, as well as thousands of technology start-ups worth hundreds of millions of pounds – and it's all happened since 2009
    Did Japanese workers really get their symbols mixed up and display Santa on a crucifix?

    Crucified Santa: Urban myth refuses to die

    The story goes that Japanese store workers created a life-size effigy of a smiling "Father Kurisumasu" attached to a facsimile of Our Lord's final instrument of torture
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