Merryn Somerset Webb and senior reporter John Stepek kick off the year by arguing that, amid political pessimism, personal finances remain one area where individuals can still take control. They run through six practical financial resolutions for 2026, from budgeting time for regular money check-ups and avoiding costly mortgage and insurance traps to improving tax efficiency, understanding pensions, and making sure wills and paperwork are in order. The message is clear: small, proactive steps now can make a meaningful difference to long-term financial security.

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