Every week a Guardian Money reader submits a question, and it's up to you to help him or her out - a selection of the best answers will appear in Saturday's paper.
This week's question:
My daughter's school is organising a February half-term ski trip costing £350. We really can't afford it, but she is desperate to go as all her friends are going. Should I be firm - it breaks my heart she can't do the things I did when I was younger - or should I put it on the credit card?
What are your thoughts?
