Pricewatch: We thought we might suggest resolutions you can make that should improve your financial position over the year ahead
Another not entirely fun-sounding tip, but vital all the same. Spend some time this month working out all your incomings and outgoings, write it all down, or use a spreadsheet. When you have all the numbers laid out you can start to make better decisions about what you have and what you need to do to improve your circumstances.Keep a spending diary; not forever, but for the rest of this month, recording every cent you spend.Far too often we forget to pay ourselves.
If you have clothes that you don’t wear, bring them to the charity shops of your choice. Photograph: Jacob King/PANew year, new you, right? Whatever about that, use some of the time when you are not going out partying in the weeks ahead to declutter your home. Without being all Marie Kondo about it, if it doesn’t bring you joy, get rid of it.It has never been easier to sell the stuff you no longer have any use for, using platforms such as Depop, Donedeal and eBay.
For people falling outside of the Green or high-value categories, there are four-year fixed rate mortgages of 2.7 per cent available to lock down security over repayments. She says there are an estimated 220,000 mortgage holders on standard variable rates of up to 4.5 per cent. “Unless you have a specific reason to be on a variable rate, such as you plan to pay off your mortgage, then a fixed rate should be strongly considered. Fixed rates are lower than variable rates and also offer security over repayments.
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