Every day after school, I meet a group of friends at the local shops. They all smoke, but I don’t. They’ve started teasing me. I tried to smoke without inhaling, but I don’t really enjoy it. I’m finding it hard to say no. Even though I’m fifteen years old, I can’t take the teasing.

Yours hopefully,

Frustrated

A few months ago, a new neighbor moved into the flat next door to mine. He usually comes home about two o'clock in the morning. Then he will have a bath. The trouble is, as soon as he turns on the tapes, that the pipes start making a loud noise. This always wakes me up, and the noise goes on for hours. I haven’t slept well since he moved in. I’m exhausted! What do you think I should do?

Yours sincerely,

Miss P. Take

Several days ago, my parents had an awful argument, and they haven’t spoken to each other ever since. Instead, I have to give them messages all the time. For example, my mother says: “Tell your father supper’s ready”. Or my father says: “Tell your mother to pass me the salt.”

Yesterday I refused to do this. You’ll never believe what happened! My father said if I didn’t, he wouldn’t give me any pocket money! Do you think this is fair? What on earth shall I do?

Yours faithfully,

Susan Peach.

Last year my mum was diagnosed with cancer. Ever since then I have had to do most of the chores around the house, looking after my mum and my younger sister. My dad is often too busy working long shifts. I am starting to feel really angry with my dad for not doing anything. I know it’s not his fault, but I am completely fed up and have started getting into trouble at school because I keep getting into fights and being rude to teachers. How am I going to cope?

Yours Sincerely,

Charlotte Adams.

There are different types of money-saving apps, and all of them work in different ways. Here are 4 of the best apps that can help you save much money.

There’s nothing more upsetting than buying PARIBUS something and then seeing it for sale at a lower price a few days later. Wouldn’t it be nice to get that money back? Now you can. Paribus helps you get money back by tracking your purchases from major stores and negotiating refunds. It also helps you get compensated (补偿) for late deliveries and makes sure you don’t leave it too late to return anything you bought.

By setting goals and rules, Qapital helps you to make the most of your money and to save wisely. There’s a Payday Divvy feature that divides up your commitments between spending and saving. You’ll also be able to take part in “Money Missions”, which are fun challenges designed to give you insight into smart financial investments. If you want to invest too, you can use Qapital’s pre-built portfolios, which are tailor-made (特制的) to the timeline and amount you input.

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