Win £250 holiday spending money!

Enter now to win £250 spending money for your next holiday, courtesy of ChangeGroup!

Hands up if you usually leave it to the last minute to organise your holiday money? That's most of us, then. Which means thousands of us are shelling out far more than we need to.

Spending a little time planning in advance can save you £££s - but that doesn't necessarily mean exchanging your money on the high street. Promises of 0% commission may seem attractive - but as they often mean you'll pay over the odds in exchange rates.

Buying online can often work out far more cost effective, and, as your currency can be delivered to you before you go, it means you won't even need to leave the house.

A number of companies offer this service, including ChangeGroup, which delivers currency worth over £475 for free (it will even deliver to many airports) - all within 48 hours of ordering.

To help you get the most from your money on your next holiday, follow these top tips:

- Use your credit card sparingly: hidden charges abroad can be sky high. In extreme cases, you can end up paying a 27.9% fee to buy something while abroad, plus a 3% fee, and a 2.99% exchange load.

- Avoid using ATMs too often too, as they charge you simply for getting your money as well as extra exchange loads.

- Choose a travel money online service such as ChangeGroup to make sure you get the best service and rates.

Enter now to win £250 spending money for your next holiday, courtesy of ChangeGroup!