If you've had a blast this Christmas, January means one thing only. Detox. Gyms are full to the brim as slimmers chain themselves to treadmills, and cake sales shrink while carrots sell out as self improvement tops the agendas of Brits up and down the country. But we say if you're embarking on a journey to better things, you should put your your finances through the tests too, as unlike the fad diets thousands will attempt this month, a quick money make-over now could have long lasting benefits.
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