Scrimping and saving seems to be the norm nowadays yet fashionistas out there still want to look their brightest and best.

The one item you simply can’t live without is a good moisturiser, especially as the chill sets in.

Elemis is a fantastic range. Its maximum moisture day cream is £35. During the day it replenishes moisture and provides protection — what more do you need?

So, while you might not be able to afford top make-up and new beauty products at least your skin will be refreshed and renewed, ready to face a harsh winter.

Katie Lucas