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If you're looking for a New Year's resolution that'll make a real difference, we have one word for you: budget.
Different people need to approach to their finances in different ways, but a budget is something that can benefit anyone, whether rich or poor, in debt or sitting on sizeable savings.
Debt doesn't disappear at retirement - in fact, when incomes drop it can become much more difficult to deal with.
One of the findings of the latest Aviva Real Retirement Report is that over-55s' spending has fallen - and they're focusing more and more on issues like debt repayment.
A cold snap has spread across the UK. So what do most people do in this situation? Turn on the heating.
However, if you're on an estimated bill for your gas and / or electricity, you might be risking debt problems. With snow expected this weekend, it's estimated that consumers could be spending an extra £7 a week on their energy bill. In particular, anyone who pays their bills by direct debit could end up with a nasty debt by the end of the winter unless they are sure their monthly payments cover their usage.
Unsecured debt fell again in October
We may be living through tough times, but the amount of debt we're carrying is actually falling. In fact, October saw UK residents' unsecured debts fall by half a billion ...
Consumers still focused on paying off debts - BBA
Consumers are strongly focused on paying off their debts, according to the BBA - as figures show that consumer credit repayments exceeded new borrowing in October. ...
Half of us feel worse off than last year
Around half the population feels worse off financially than they did a year ago, according to a recent survey. It's something Gocompare.com has been looking into since August 2010, ...