The beginning of the year is always difficult financially, Christmas hits hard and you find yourself counting down the days to pay day.
But what if there was a way to make sure you're flush come this time next year?
Whether you're saving for a family holiday, birthday parties, choir lessons, school trips or even for you to blow it all over again at Christmas - whatever you need the money for wouldn't it be great to be able to save a nice lump sum?
Journalist Emma Gill shared her money-saving idea that could help you save a massive £780 a year, reports the MEN .
The mum-of-two shared the post on Facebook. She wrote: "So I've seen lots of ideas for saving money but none of them will really work for me - I never have change in my purse to do the penny challenge for example.
"That's why I'm giving this a go. Every pay day - or at the end of a month - you put in one of these amounts and then cross it off the list. By the end of the year it's a whopping £780!
"It won't be easy - especially when it comes to the £120 month - but it's worth a go. I reckon I'll start with the £10 in January."
How does it work?
You simply write £10 up to £120 on a piece of paper and stick it on your piggy bank.
Then put away each amount of cash for which ever month you choose and cross it off the list.
So in January you may want to start off with a tenner and save the higher amounts for when you've got extra cash that you weren't expecting, then on other months particularly around Christmas time, you'll only have to put in the lower amounts.
Once you've crossed all the amounts off your list, you will be £780 better off.
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