Don't replace it until you've tried this! Something stops working properly and the first thought is often: “I'll have to replace it.” But before you head to the shops, have a closer look. A loose screw, a rubbing door, a sticky drawer or a wobbly piece of furniture can sometimes be sorted with a few minutes, a basic tool and a little patience.

There are some really good pensioner deals out there. We know this because finding them is something we spend quite a bit of time doing.