Budgeting for 2020? This is your ultimate guide to getting on top of everything

It's the start of a new year — and there's never been a better time to get your money sorted. Step one: Get on top of your budget The first step is to get real about where your money's going. You can Checklist Do a money diary Set a savings goal Fill out the budget Check in every three months or so Step two: It's time to dump your debt Congratulations, you've completed the first step on your road to money security. Checklist Write down all your debt See a financial counsellor Ask for hardship provisions and make a repayment plan Get rid of high-interest loans first Consider consolidating your debt Step three: I'm ready to be a property mogul, what do I do? Checklist Think about whether the property is an investment or to live in yourself Save a deposit Shop around lending institutions to get the best rate Lower your credit card limits and spending Check your credit history Step four: What if I want to invest somewhere else?