Share your thrifty hints
It's easy to spend too much money at Christmas time and be strapped for cash in January. But there are plenty of ways to keep your finances in rude health.
According to a YouGov charity survey, adults are turning to sex as a cheap way to pass the time, ahead of window shopping and gossiping.
Read the article Britons saving money with sex.
Or why not be cheeky and save money by giving away unwanted Christmas presents as birthday presents in the coming year. Just remember to make a note of who gave you which gift in the first place.
This January would be a good time to start to tackle some financial planning. But what action are you most likely to take?
In 2009 we'll be filming a 'Watchdog financial health check report'. If you'd like to take part and are free for filming in January, then email us. We want to hear what your particular financial problems are, and what you'd most like advice about.
In the meantime, fill in our short financial health check questionnaire and tell us what you anticipate you'll be spending and saving in the coming months.
From reducing household bills to tips for haggling on the high street, share your tried-and-tested ways of saving money in the comments section below.