Sort out your finances

Maya Driver

Has Christmas and New Year given your finances a hangover? If you spend some time you can work out a way to sort out your money in 2010.

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Begin by checking out your bank account. It's easy to stay attached to one provider, but by shopping around you could find a bank to better suit your needs. For instance, if you're always over-drawn you could find a company that charges you less for the privilege by avoiding hefty charges.

Then go onto comparing providers, from areas such as mortgages to utilities. It can be easy to get stuck in a rut but with a few simple calculations you can easily save some dosh by getting new deals. Websites such as have lots of tools to point you in the right direction.

Get into the habit of budgeting for 2010. This means looking at your ingoings and outgoings, and putting them onto a spreadsheet to see what can be cut.

Once you've got used to managing your money, you can then go onto opening saving accounts. You don't have to have huge amounts stashed away, and every little helps in the event of a rainy day.

Have you successfully managed your money? What are the best means of investing your money these days? Leave a comment and share your tips.