As 2025 begins, how positive you feel about your finances will depend a lot on the stage of life you have reached. Hopes of sharp interest rate cuts have receded as inflation has started to rise again, which is bad news for borrowers but good news if you have money in the bank. The triple lock means a healthy increase in the state pension in April, while other benefits lag behind. Here are some of the important dates to look out for in the first months of the year.