The big idea is to map out a spending and savings plan

Whether or not you make financial New Year’s resolutions, you no doubt want to improve your finances in the coming year. And a quick review of the last decade may help us shape decisions for the next one.

We finished the year with the pantomime that is Brexit and we have some sort of certainty about what the neighbours across the Irish Sea are doing. It poses challenges, particularly for exporters, but at least there will be some clarity by the end of January.