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 next Saturday's paper.
This week's question:
We are an active couple in our late 60s looking to escape the UK winter. We have an income of £1,500 a month and want somewhere cheap, interesting and warm. Where should we go? Voluntary work or pure travel: what would you do?
Post your thoughts below.