www.independent.co.uk
January offers a perfect financial fresh start. Use the new year’s momentum to audit your spending and create a realistic budget that aligns with your long-term values. Tackle high-interest debt aggressively and automate savings for an emergency fund. Review recurring subscriptions to cut waste, and set clear goals—whether for retirement, a home, or travel. By starting with small, manageable steps, you can build sustainable habits and end the year with significantly better financial health.
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