ON THE MONEY

IF YOU'RE anything like me, you'll start the new year off with a heap of ambitions and goals. Then, gradually as the months pass, nearly all of them fall by the wayside.

- Katie Elliott

Possibly because the goals have always been a bit too ambitious, like learning an instrument or a new language from scratch - Welsh is quite hard, isn't it? This year, I'm choosing not to shoot for the stars, but I do plan to put a few more pennies away. A couple of savings "challenges" have caught my eye in recent weeks, and each seems somewhat manageable in varying degrees. The easiest to slip into is the 365-day 1p challenge. You start by putting aside 1p on day one, 2p on day two, 3p on day three, and so on. It won't feel like much at first, but st