Experts share their tips for improving your finances without earning more

The new year is a good time to review your finances. Just as you may want to boost your mental and physical health in 2025, it may also be worth getting financially fit.

That may feel like a challenge with bills on the rise and taxes remaining high, but there are steps you can take to ensure your money goes further.

That doesn’t necessarily mean taking on a second job or working extra hours. Changing your spending and savings habits can go a long way to ensuring you have a financially healthy 2025. Here are some steps you can take.

Build a budget

It has likely been an expensive few weeks with plenty of spending during the festive and understand your income and expenses.