The savings possible from interrogating your finances are huge.
In fact I would suggest everyone - unless you earn over £610,000 a year - should read this, as I want to show you how to give yourself a money makeover.
One of the great joys of January for me is that, because of the high cost of Christmas, people have a fervour for saving money.
It’s the one time that rather than having to persuade people to act, they’re already in the zone. The aim should be to systematically take a day (possibly even off work) to go through everything you spend on and see if you can cut your bills without cutting back.