As we move out of the first weeks of 2012, for many people, the feeling continues that prices are rising far faster than salaries, and the latest round of public transport increases is just another factor in how the cost of living is taking up more of peoples’ income than ever.

Saving money is hard. We know, because we've done it. Over the course of 2 years, we saved enough money to live our dream of travelling around the world. We are certainly not rich, but we actively made the choices it takes in order to make this the number 1 priority in our lives and adjusted ALL our spending to ensure we could hit our goal.

It’s winter in the UK and we’re cold. We have debt problems and other money worries, and the forthcoming energy bills are filling us with dread. According to studies by online credit experts Equifax, 73.8% of people in the UK are worried about the rise in fuel bills this winter.

Get a flatter stomach in seven days! Look buff in your tux! Yes, it’s that time of year again, when the papers and magazines are full of pre-Christmas miracle diets , when if we’re honest, we all know that the secret of losing weight is to eat less and do more.