www.independent.co.uk
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The new year offers a psychological reset, providing the optimism and motivation needed to tackle financial challenges. This fresh start encourages individuals to adopt a structured approach to money management, making it an ideal time to set clear goals. By reviewing your current financial situation—such as spending habits, savings, and debts—you can create a realistic budget and commit to specific resolutions. Whether the aim is to build an emergency fund, pay off debt, or simply gain better control over expenses, the momentum of the new year helps transform these intentions into lasting financial habits.
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