Making Cents: Keep track of your life by making a list of outgoings

The presents have been opened, turkey dinner scoffed and admit it, you ate several chocolates before breakfast this morning.

Welcome to the lazy days between Christmas and New Year, when it takes a couple of moments of mental maths to work out what day it is. If you are lucky enough not to be working until after New Year’s Day, a whole week stretches ahead.

It is fun to slide into a semi-coma of children’s films, staying in pyjamas and debating if a shower is strictly necessary but it can get a little monotonous. If you want a smug glow of productivity to make the lazy days even more enjoyable, why not set aside some time to sort out your finances?