Exposing the hidden costs in your purchases

It's not pleasant to always assume people are out to scam you out of your hard-earned money, but sadly that can sometimes be the case.

Consumer journalist Wendy Knowler warns to be vigilant around anything that sounds like an upsell, especially if it includes so-called value-added services (VAS).

These often include club membership fees, and even funeral cover.

She said it's essential to take the time to read all the small print and ask questions if anything was unclear.

As she has suggested in the past, Knowler recommended asking if you could record the process of signing up for accounts etc. This audio (or video) recording can then be used as evidence that all the "small print" was not sufficiently explained, if you attempt to get out of the contract.

However, she still said the best way to protect yourself was to read the whole contract or document thoroughly before signing anything.

Online purchases are another minefield to be aware of.

Some retailers will try to convince you to take out "package protection" for your products beforethey are delivered for lost, damaged or stolen items – but Knowler explains that this not necessary.