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The beginning of a new year can feel like a great time to set goals, we have a whole year in front of us and we’re ready to start something new. By taking the time to have a break and relax, we regain energy, and it opens our minds to new possibilities. We all love the feeling of a fresh start, but often we create unachievable resolutions that ruin that ‘new year, new you’ feeling before the month of January is up.

We all know this time of year can get a bit expensive, and this year has had its own additional challenges. While the festive season might be the furthest thing from our minds, now is the time to start planning for it. Assemble’s financial coach, Sarah Matzouranis, shares her top 10 tips to help you