Cailin

1. The best money saving moves to make this year: Whatever big goals you’ve got your heart set on, if there’s money involved, you can pretty much guarantee that you’ll have to do some saving.

2. A Christmas carol of credit: What do ghosts and credit have to do with each other? They can both come back to haunt you. It doesn’t have to be scary though.

3. 15 financial literacy tips to try: Learning about finance is one of the best things you can do to make your financial future richer and brighter. Knowledge is power and we want you to feel empowered when it comes to money.

1. Wait a day to buy online: If you’ve got your eye on something but you’re not absolutely sure about it, leave it for at least 24 hours (or even more!). If the time goes by and you haven’t thought about it or the impulse to buy is gone, chances are you didn’t really want it that badly in the first place.

2. Buy second-hand: While we’re on the shopping theme, thrifting is not only fun and better for the planet but a great way to save on clothes and homewares. Check out your local charity shop or flea market for some absolute bargains.

3. Don’t be too hard on yourself: When it comes to money, it’s easy to feel anxious or guilty about how much you have or how much you’re spending. But the reality is, beating yourself about it doesn’t help you or the situation. Be kind and if you’ve worked hard, get the little treat!