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
We have been going through our finances desperately looking for ways to save money. Each month I donate £20 to an international charity through the gift aid scheme. I pay almost exactly the same amount in union subs. One of them has got to go - but which one?
What are your thoughts?
