New year, new goals - and for a lot of us, money is top of the list. Saving more, spending smarter, or just feeling more in control financially.   

So today, we’re talking about how to set yourself up financially for the year ahead , what to focus on, what to avoid, and where to start if you feel overwhelmed. Paul Merriman, also known as Ask Paul is here with practical advice to help make this year a better one for your finances.