Are you setting yourself up for 'Janu-worry'? Here's how to avoid financial anxiety before it's even begun

at bay doesn’t have to mean being a spoilsport, though - there are plenty of ways to ready the ground for a positive step into 2022 without giving up all of the fun of December. Here are a few ways to keep Janu-worry at bay:Poring over your recent spending and overall financial position might not feel like the most festive thing to do, but laying everything out on the table ahead of the festive season will help you to stay focussed and within budget.

If, like many of us, you find self-motivation a bit of a challenge, finding a person or a community that will support you in your goals and hold you accountable for achieving them is a great idea. You’ll be amazed at the difference it makes to have a person to text when you feel tempted by impulse spending or withdrawing money from savings, who will remind you of your goals and motivations at times when your resolve is being worn down.

Setting up a budget or downloading a budgeting app like Snoop or Emma, reviewing your contracts for things like utilities, committing to a saving challenge or any other positive financial choice will help you to feel like you’re heading in the right direction before 2022 has even begun.Keep credit spending to a minimum - and make sure you’re tracking what you owe

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