Once the manic rush of christmas and the new year festivities has died down, family routines returned and normality restored, there is often the urgent need to cleanse the mind and seek new challenges for the year ahead. Or make New Year Resolutions as this is also called. There are the usual crop of self improvement hopefuls. those hardy perennials : lose weight – be nice to go down two dress sizes. Stop smoking. Drink less wine. Take out and actually use, a gym membership.
Making savings all round in the budget department is top of my current list. There are so many fantastic money saving websites out there and with early retirement having clicked in the other year, there is truly no time like the present for learning to use these sites to get the very best tips for where to shop, and how to get deals for everything. They are fantastically useful.