The start of the year can be a great time to check in on your finances and make adjustments. But what’s the best way of going about it?

This week on the Friends With Money podcast, Money's Tom Watson is joined by Rachel Wastell, personal finance expert at Mozo, to run through three steps aimed at giving your finances a refresh and setting you up for the year ahead. They discuss:

• Reviewing home loan and savings rates
• The benefits of streamlining accounts
• Consolidating your debt
• The role of superannuation in planning ahead

#friendswithmoney #tomwatson #rachelwastell #personalfinance

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