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So, did you enter January full of good intentions to eat less, exercise more and cut back on non-essentials? If the answer’s ‘Yes’ and you’ve been holding out for the month to end, hang on in there!

Just because the month is over, your salary’s been paid, and you’ve recovered from Christmas’ financial hangover, it doesn’t mean you should revert to your old ways. Making a few simple cutbacks can keep your finances fighting fit throughout the year. Still not motivated? What about that holiday in the sun you fancy, or that new car you’d love to drive about in? Asking yourself what you can afford to live without and sticking to a budget comes with financial rewards.

Debt. At some point in life, most of us will experience some form of struggle with debt; be it student loans, credit cards, overdrafts, the list goes on. This, in turn, can affect your well-being, affecting both your mental health and anxiety levels. Debt levels in the UK are reaching their highest ever point, with most people reporting debt spread across multiple sources, with high interests on all of them. A potential solution to this is to consolidate your debts into one, easily managed and lower monthly cost payment. No longer will you need to worry about different payment dates.

Our ten top budget tips will help you strengthen your finances. Take a look at the Money Masterclass and a fun, interactive quiz to see how a few daily cost-cutting measures will fatten your piggy bank: Fix Your Finances – What are your money-saving tips?

As your piggy bank gets fatter, the financial outlook for 2017 gets brighter.