Finance expert shares effective steps to achieve money-saving goals and improve budgeting in the United Kingdom for 2025

With the New Year approaching, many of us are reflecting on how to improve our financial health in 2025.

Personal finance expert Joe Lytwyn from Viva Money shares practical and achievable resolutions that can make a real difference to your bank balance and overall financial well-being.

From budgeting basics to understanding credit scores, here’s how to start the year on the right financial foot.

Make Savings a Priority Without Pressure

Saving money often feels overwhelming, especially when finances are tight.

Joe advises avoiding rigid goals like “saving £100 every month.

” Instead, focus on saving what you can comfortably manage—whether it’s £10 or £100.

The key is consistency.

“Don’t underestimate the sense of accomplishment from watching your savings grow, even if it’s slow,” Joe explains.

Having a specific goal, like a holiday or home renovation, can make the process more rewarding.

Build a Monthly Budget That Works for You

Budgeting doesn’t have to be complicated or tedious.
Joe suggests starting a couple of days before payday by listing all your essential expenses, such as bills and groceries.

The leftover amount becomes your disposable income, which you can choose to save or spend.