The start of the year is a good time to tighten up on cash – but its much more effective to do this before the start of the year. That way you will hit the new year running! So why not use some of that xmas downtime to look at these areas:
Give your personal budget a makeover – the less you have to take out of the business to fund your lifestyle the less pressure you will be under. Here is a great budget spreadsheet courtesy of moneysavingexpert.com