Angela asks: "Assuming I had the total amount ready to invest, what are your thoughts on the best strategy for it? Do I invest the full amount at once at the beginning of the tax year or invest in 12 equal amounts throughout the year?"

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Petula asks: "I bought a flat in 1999 for £46,000 and have rented it out since then. I am considering selling it for around £150,000. Should I live in it for a year so that I'm eligible for PPR relief?"

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Maria asks: "I'm a tenant in a flat that has just been sold. My lease is until Feb at £x but new owner wants to enforce new rent at £x+70 effective next month (Jan). Is this legit?"

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Hans asks: “Do you have any tips on the easiest and cheapest way to get your house valued?”

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David asks: "I'm concerned about an elderly and perhaps slightly naive relative, Violet. Can you advise as to the risks of this, or about any potential protective measures or what might potentially be "really" going on?"

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Sally asks: “It goes without saying. Estate agents are ******* *****. Can I deal directly with the seller to buy the house and not deal with the ******* estate agents?”

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Ben asks: "I’ve started filling in the Moneystepper Savings Challenge Tracking template. Why do I need to measure my net worth? If I’m always investing as wisely as I can, and always putting as much as I can away each month, won’t it look after itself?"

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Marilyn asks: "I’m about to set my goals for 2016 and was wondering what you though was the best way to set goals that I would actually achieve? I’ve heard about “SMART” goals but is this the best way to define my financial goals?”

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Today’s question comes from no-one. They haven’t asked:“Should I worry about money on Christmas Day?” :)Merry Christmas Everyone!!

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Aisha asks: "My iPhone 6 plus is water damaged after I was caught in heavy rain. I've asked three about cancelling my contract (£56 per month) and they want a whopping £600 to cancel early as I have a year left. What would the next best steps be?"

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