A liquidator usually buys from retail store chains and sometimes manufacturers. These companies are successful because they are well capitalised and their buyers know what to put in the store. The same principle will apply to you and your eBay business.

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With Christmas only days away and the UK still recovering from snow disruptions people up and down the country are panicking about what to buy loved ones. Well, Westfield Shopping Centres may have the answer with their Westfield gift card as it’s still available to order online and pick up in store.

Mum of two Rosie Forsyth, 40, tells Motherswhowork.co.uk how she juggles working for herself as a chartered accountant with family life, and how her second child gave her the final push to use her years of experience in her field to bite the bullet and establish her own business.

Being retired often means that your parents have more time than income, so turning a joint hobby into a business will not only help to boost their income, but yours, too.

And the great thing is that because they are retired, they will have more time available than you – if you are juggling work and the children – so they can keep things ticking over while you are not available.

If your parents are not computer savvy, then get them on a course – there a free computer courses for silver surfers these days – speak to their local library or college for IT courses for over 65s!

Apart from enjoying what you do, the start up costs of a hobby-centered business can be quite low, because you will already have most of the materials already.

How do you separate pipe dreams from what is achievable? You could have a passion for becoming the next Apprentice, or winning the lottery or

Mother-of-two Stella English, 30, from Thamesmead, South London has won The Apprentice.

Office romances are usually not worth the hassle. Remember, that the fallout of a Christmas fling may last long after the party’s over, so take heed before having that third or fourth eggnog this year!

Keeping a flexible mindset reduces Christmas stress and anxiety and encourages you to let things flow over you rather than fighting inevitable obstacles and changes to plans.

From April next year, the amount of tax savings available from childcare vouchers will be the same for everyone. This will be set at the current basic rate.