This article is the latest part of the FT’s Financial Literacy and Inclusion Campaign
Following a year of financial shocks and budget squeezes in 2023, you may well be resolving to start the new year with a new money regime. But what simple changes could yield the biggest financial return for the least effort?
FT Money Clinic podcast experts share four top tips below. Subscribe to the show for a (free) weekly dose of personal finance inspiration in the year ahead.
1. Master the jam jar method
Even the affluent need to budget. The jam jar method of separating money into different pots is as old as the hills, but it’s effective. It has also been given a digital update with the ability to create separate “pots”, “jars” or “spaces” within your online bank account, and automatically allocate separate sums into these on payday.
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