Start the new year with savings

With pages to fill and proper news at a minimum, the newspapers are full of helpful guides and tips – none as potentially handy as the ones showing how to save money over the next 12 months.

The top suggestion is to sign up for a 0 percent credit card, there may be an initial balance transfer fee but the savings can be considerable.

Credit cards are often used to cover the cost of shopping, and again savings can be made by fully researching the availability of deals online and by taking advantage of online vouchers offering discounts in stores.