January is the perfect month to make some small but clever changes to your spending habits. Here is a rundown of our top ten small money moves that could tot-up to big savings on your finances this year.
Mortgages
Three in five first-time buyers depend on the bank of mum and dad in order to get onto the property ladder, according to research by Just Group. In the last five years, 61 per cent of FTBs relied on financial help from relatives in order to purchase a property. In comparison, just 20 per cent of FTBs relied on financial assistance from relatives 30 years ago.
