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The Guardian - UK
The Guardian - UK
Business
Rupert Jones

How to get a grip on your personal finances in the new year

Mockup of hand and floating credit card
People with card debt could save hundreds of pounds, or even thousands, by transferring to another provider. Photograph: Georgii Boronin/Getty Images/iStockphoto

Are your finances feeling (even more) fragile as a result of Christmas spending? It’s been a really tough year financially for millions of people, and with a recession looming, mortgage and rent costs rising and the energy price guarantee becoming less generous from April, 2023 looks set to be even more challenging.

If you are in serious financial difficulty, seek free advice from an organisation such as StepChange or National Debtline as soon as possible.

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