The Mail on Sunday's personal finance journalists look back at their own financial decisions this year - their victories, defeats and how their 2015 ambitions fared. Some saved thousands of pounds with some savvy choices, others are still regretting some moves that cost them dearly.

We have received a rush of emails from customers complaining about the mobile phone giant's appalling service. We lift the lid on a trail of broken promises left by the network provider. Norma Holloway (pictured) made 33 calls to Vodafone explaining her problem - and then had her phone cut off.

Edwina Currie sold spangly outfits to 'ladies of the night', now she's the Wicked Queen in pantomime - but he lives on her MP's pension, despite earning fortunes from her racy novels and appearing on reality TV shows.

From mega mergers and cyber hacks to plummeting commodity prices and a long-awaited interest rate rise across the Pond, 2015 has been a memorable year in the business world. Test your knowledge of the names and events that shaped the past 12 months of the Square Mile in our annual City quiz.

Savage bargain hunters wreaked havoc in this morning's Boxing Day sales when their aggressive jostling led to violent in-store clashes throughout the country. Terrified shoppers reported being floored by hard-nosed customers desperate to snag the best of the cut-price sales. Many were seen diving under metal shutters when the shops opened first thing before pushing those around them as they battled for prime bargains. Thousands more stood politely (pictured) overnight in the cold and rain in the likes of London, Leicester, Edinburgh, Birmingham, Liverpool, North Tyneside and Peterborough all to revel in reductions of as much 90 per cent.

Those who are looking to grab a bargain break for 2016 will find the best deals in Scandinavian countries, where prices have fallen by as much as 39% in Denmark, by 31% in Norway and 26% in Sweden for flights compared to 2013.

Shake up your career in 2016 with one of the whackiest jobs available across the world. There are opportunities for everyone from Lego and video games enthusiasts, to beer connoisseurs and, er, poultry experts. There's even one job up for grabs that could make you millions!

A Christmas dinner isn't complete without the turkey centerpiece and a mountain of vegetables - but how much of the cash that you hand over at the check out makes its way to farmer who grew and produced them? We found that on average the farmer will get just 52 per cent of the price paid in a supermarket for the product when they sell it at a wholesale rate.

Initially, I was told the laptop had been lost by the courier and another would be sent. By mid-November, I still hadn't received it. Sky then said it had been delivered to a neighbour. The name given is not the name of the person who lives at that property and the people who live there deny receiving it. Sky says the courier has provided proof of delivery to my neighbour and I should report the case to the police.

New figures suggests that out of 20 major cities in Britain, the average income needed to afford a home with a typical 76 per cent mortgage is £49,700, up from £45,000 a year ago. But the range is significant - from less than the average wage at £24,000 in Liverpool, to a staggering £80,200 in Oxford and almost £100,000 in London.

Dozens of This is Money readers have contacted us to say they still cannot access their accounts with telecoms giant TalkTalk after its cyber hack in October. Last week, we revealed how one reader - Terence - has been unable to access his account details online in the last two months to change his password and check bills. He was told by call centre staff that non-broadband customers are affected by the current outage.

A company controlled by Shirley Hill has received the fees since 2010, when Metro become the first new bank in more than a century to launch on the British High Street.

This is our eighth Wooden Spoon Awards and it's become the trophy big business fears the most - and that's because your opinion matters.

I've owned my beach hut in Norfolk for 40 years and originally bought it for £500. It's no more than a garden shed with a small gas stove for a cup of tea and bacon sandwich and we're forbidden to sleep in it. But because of the location and desirability I've sold it for £55,000. Do I need to declare it to HMRC and pay capital gains tax? 

Over the next five years, annual growth in private rental costs will exceed house price growth, new findings predict. While house prices are expected to climb by an average of 4.7 per cent a year for the next five years, rents could rise by 5 per cent a year, the Royal Institute of Chartered Surveyors suggests. Next year, house prices across the UK are expected to climb by an average of 6 per cent and will 'outstrip any commensurate rise in household incomes', RICS said.

Motorists in Walsall, Redditch and Birmingham are the first to be rewarded with diesel for less than £1 a litre - a move experts hope will shove fuel retailers into action to cut their pump prices too. Not since the spring of 2009 has diesel been below the magical £1 figure.

Next year may not promise spectacular growth, but it could be that the sectors that fell from grace in 2015 - such as emerging markets - prove a big opportunity for brave investors. Here Psigma's chief investment officer Thomas Becket gives his six top fund picks for next year - whatever you are looking for from the market.

To clear the average national household debt of ?13,000 at 6% interest with a monthly repayment of ?100 will take around 17 years. There are, however, plenty of simple ways to make significant savings on your regular spending that could clear your debt - or boost your savings - in less than a year. This is Money's top 50 - updated - money-saving tips may appear light-hearted but are deadly serious.

Choosing the right DIY platform is crucial but a wealth of choice and changes to charges have left many investors scratching their heads. We pick some of the best. We also highlight why investing in an Isa makes sense, as it should protect your hopefully growing investments from tax forever.

A 0.25 per cent move up in the Fed funds rate has set a marker that the Bank of England's ratesetters will be measured against. Economists expect no move here until late 2016 and the money markets say no move until 2017, but the Bank's deputy governor Ben Broadbent says people should not rely on that.

For many buy-to-let looks an attractive income investment in a time of low rates and stock market volatility. Climbing house prices, rising rents and improving mortgage deals are tempting investors - although they will need a big deposit. Read This is Money's top ten buy-to-let tips

Musicians have seen pay rises averaging nearly 20 per cent in 2015, while cleaners are getting 17.8 per cent more, and window cleaners 12.3 per cent. Artists in general are earning 14.6 per cent more in 2015 than 2014, according to the huge annual data dump of pay scales by the Office For National Statistics highlights.