text: 1 December 2016 Last updated at 00:23 GMT
  The BBC News website asked the independent Money Advice Service to deliver a calendar of month-by-month tips for those trying to keep their personal finances in order.
  In the final instalment, Nick Hill from the service says that now is the time to start thinking of money resolutions.
  Video Journalist: Kevin Peachey
target: Building up a savings buffer is one financial goal that should be considered as a new year approaches, an expert says.