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The start of a new year is the best time to implement changes and look at ways to boost your finances over the next 12 months, especially if you’re already finding it tricky to stick to your planned Christmas budget. One of the simplest savings hacks involves putting pennies away every day which gradually becomes pounds as the year progresses. ‌

By sticking to the '1p savings challenge', you could build up a handy savings pot worth £667.95 by December 31, 2026. However, even if you only saved until the end of November, you would still have put away an impressive £559.45 which could take the pressure off buying presents next Christmas. ‌

The ‘1p challenge’ - as it’s often referred to - is probably one of the simplest and best-known ways to build your money pot for wint

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