Train fares are rising 4.6% this year on March 2. But there are still lots of ways of cutting the cost of rail travel with much cheaper Advance tickets available until minutes before the journey.

A few minutes planning journeys can save hundreds of pounds.

Buying two single tickets for a return journey is often cheaper.

Knowing when off peak fares start is vital. Getting a train a few minutes later can cut the cost substantially.

And should things go wrong you need to make a claim through Delay Repay. Once you are registered it is easy to get the money in your bank account in days.

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Home sellers and buyers are racing to complete their deals before the cost of stamp duty increases on April 1. The deadline makes property deals even more fraught than usual. There is no time to lose. Sellers have to be businesslike, befriend their buyers, surveyors, agents and conveyancers.

Sellers only have to worry about stamp duty if they are to buy another property. And they have to make sure that the prospect of a potential stamp duty saving does not end up costing them more. There are always buyers looking to cut what they pay for a property.

Sellers have to remember that there are many more buyers in the market this year than recently.

There are ways to rescue your sale if your buyer drops out, but you have to work out how much you lose when you sell to one of the companies that buy homes instantly. They usually offer a lower price than normal buyers, but they allow someone to buy the home of their dreams, which may be a super bargain.

Along the route to completion buyers and sellers have to make sure they get the best price and service as a hefty estate agent fee can dwarf the saving that they may make on stamp duty if they complete in time.

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