When January rolls around, many of us feel like it's the prime moment to reset our finances. New year, new budget, new you.

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New Year’s resolutions can be a great fresh start, but hard to keep when you're still trying to get on top of things after the festive season.

More recently, the October Theory trend has seen people embrace autumn as another moment to reset. There’s something in that and, financially, September is the perfect time to get a head start.

Summer is expensive. Flights, days out, keeping kids entertained through school holidays, another takeaway because it's too hot to cook. None of this feels irresponsible - but these small payments add up.

That's the problem with summer finances: the pressure builds and doesn’t announce itself. By........

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