The internet is currently awash with New Year money hints, rules and guides which aim to help you manage your personal finances a little better over the next year.
One money-savvy mum on TikTok has shared with her 35,000 followers the way she will be cutting her spending in 2023.
The major rule TikTok user @DuchessofThrift will be following is that she will not be “spending a penny” between Monday and Wednesday and says it is a “good habit to get into” in the New Year.