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If the new year has you feeling motivated to up your financial game, then you’ve come to the right place. Below, you’ll find our 25 best personal finance tips from the year rounded up into bite-size pieces, ready for you to apply to your life. They’ll help you save more, spend smarter and keep your money safe.

1. Protect your phone.

Our phones hold an incredible amount of personal information about us, including financial details. To make sure yours doesn’t fall into the wrong hands, be sure to activate password protection, disable your phone from automatically connecting to public Wi-Fi hotspots, avoid announcing that you’re on vacation publicly via social media and stay away from online stores (and people) that aren’t familiar.

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