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Clever title, eh? It's a conflation of ''austerity'', of which we must all be sick to the back teeth and ''prosperity'', which we'd all love. At a time when incomes are standing still (unless you're very lucky) but costs are going up all the time. For most people this means that it's the pleasurable parts of life - the treats - which get squeezed out, leaving a life that's dull and rather unrewarding. Lucy Tobin, personal finance editor of the London Evening Standard thinks differently. She's brought together hundreds of money-saving tips which might make that holiday possible - or suggests cheap or free trips in place of the holiday. There are also lots of ways in which you can raise extra money which don't involve a dodgy loan that will cost you more in interest than you borrowed in the first place. And, yes - there's all the information about credit cards, mortgages and budgeting that you need to set you on the right path.