Fitting with the drink less resolution many people decide to save money in the new year, maybe by drinking less. Whether it be to save for the future, that exotic holiday or a treat for yourself at the end of the next year.

Like the hangover Christmas leaves many of us with almost empty purses which inspires this genius idea. Many even promise to spread their Christmas shopping over the year to prevent the said empty purses next time around. We've all said this at some point but year after year we find ourselves frantically trawling the shops on Christmas Eve with little money left to spare.