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How can I get my finances in order so I can start saving?

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'To help you pay off any debts you have and start saving, set out exactly how much you are earning and how you are spending your money'

'To help you pay off any debts you have and start saving, set out exactly how much you are earning and how you are spending your money'

'To help you pay off any debts you have and start saving, set out exactly how much you are earning and how you are spending your money'

Q. I've a full-time job I really enjoy, but I constantly seem to be chasing my tail with bills and never manage to start saving. I'm determined to get my finances in order for 2020. Can you give me some tips on where to begin? Anna, Co Wexford.

A. It's not always easy to take control of your finances, but there are lots of benefits to establishing good money habits. These include knowing what you are spending your hard-earned cash on, identifying what your priorities are, and finding out whether you are spending more than you can afford.

However, you also need to be able to live, so you have to be realistic. You will be surprised how a few small changes can make all the difference.