The early days of January offer a great opportunity for everyone to create a list of goals they want to achieve over the coming year.
And when it comes to resolutions, saving money often appears near the top of that list as most people are keen to cut their spending habits and reduce their monthly outgoings, especially with more pierce hikes on the way for energy and fuel costs.
Although becoming stricter with your spending may seem like an uphill challenge, saving money is all about getting into good habits and there are lots of easy things you can do to get started - without sacrificing on the luxuries in life.
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