Everyone is throwing advice about so where do you turn first? Well you can start here with 10 top tips for your money in 2008.

1. Start saving
You can start by setting up a standing order, no matter how small, to move some money to your ISA or savings account every month. Set it up for just after pay day and you won’t even miss it! If you really want to save but don’t trust your will power then consider an account that ties your money up for a set period.

2. Sort your pension
It doesn’t have to be a huge amount but start paying in to a pension scheme. Most schemes allow you to take a break if you need to without incurring penalties. So there is no reason not to sort it immediately.

3. Write a budget
Writing down everything you spend compared to what you earn can give you a big reality check if the result isn’t what you expected. Keep your receipts for a whole month and look at all your bills to get an accurate picture of your outgoings.

4. Review your mortgage
If your current deal is coming to an end or even worse you are already on a standard variable rate moving to a new mortgage could save you thousands.

5. Cancel store cards
Store cards almost always charge extremely high interest. You should switch to a credit card that offers 0% for a set period.

6. If in doubt just say no
If you are looking at making a big purchase or signing up to a new contract for something and have any doubts just walk away. Take a bit of time to make sure you really do make the right decision and don’t regret it later after you realise you have wasted your money.

7. Keep your debt in check
If you have debt problems then deal with them now. Don’t bury your head in the sand and do consider consolidating your debt.

8. Check your accounts
So you already made sure you had a great rate on your ISA and savings account? These change all the time so check again to make sure accounts are still leading the way.

9. Pay upfront
If you can afford to pay for goods upfront then don’t be tempted by credit unless it is going to really save you some money.

10. Bookmark Askix Now
There will be some great ideas throughout the year at Askix.com so bookmark now so you don’t miss out!

So there you are, some great tips for making the best of your money, well apart from the last one! You can’t blame me for trying though can you?