For many, January means a mercilessly thin wallet.
But the new year has just begun and there are therefore several things you can do to cope with what is usually called the poorest month of the year.
According to Nicklas Andersson, savings economist at Avanza Bank, the most important thing of all is to make a budget - both for the month and every day.
- Super boring, but always relevant.
Somewhere you have to keep track of money in, money out, otherwise it's a bit like driving a car but refusing to look through the windscreen.
This is just about knowing, what kind of money do I get in, what kind of expenses do I have, what do I have to deal with, he says.
Hear all the tips of savings economist Nicklas Andersson in the video above.