Januworry
Start your money workout
Save throughout the year so when January comes, you’ll be more chilled out than frozen in fear.
Choose something to cut down on now and be better prepared for the seasonal slump.
How to work out
Step 1
Look at your spending habits and see what you could reduce, like cinema tickets, and commit to saving that amount of money instead.
Step 2
Transfer the money to a safe place every time you resist temptation. Keep the card where you can see it, like on the fridge, as a daily reminder.
Step 3
Every time you save money, scratch away a frown on your card to reveal a smile. When you’re ready, try another workout that suits your circumstances.
Workout kit
You can use these tools to help complete your goal.