If like me you tend to overdo it at Chrstmas and end up feeling skint in January, why not take the free online money healthcheck from our friends at the Money Advice Service.
It is really simple to do and takes just 5- 10 minutes. At the end you get a few pointers about things you can immediately do to improve your finances. You dont need to have any of your financial details to complete the check and it is all confidential. To complete the survey click here