...and here’s TEN expert resolutions

1. Sir Steve Webb

Director of policy at Royal London

CHECK my credit card statement properly. It’s so easy to sign up for things on trial, then forget to cancel. The world of contactless payments also makes it incredibly easy to lose track of what I’m spending.

2. Anne Boden

Chief executive of Starling Bank

MAKE sure I don’t wait to file my online tax return at the last minute. Today I’m going to start collecting all the records I need.

3. Baroness Altmann

Former pensions minister

ENSURE I check what is happening to the interest rates on my cash bank accounts. At the moment I’m losing out on interest.

4. Edward Bonham Carter

Vice chairman of Jupiter Fund Management

GET on my bike more. Cycling to and from work really is a great way to improve your financial, physical and mental health.

5. Claire Walsh

Head of strategy at Schroders Personal Wealth

TRANSFER and consolidate my old pensions into my new one, to make admin easier and allow me clearer oversight of my pension savings.

6. Richard Stone

Chief executive officer at The Share Centre

TEACH my children about money and savings. More needs to be done through schools but, as a parent in an increasingly cashless society, I think I need to do more as well.

7. Andy Bell

Chief executive of investment firm AJ Bell

REVIEW my asset allocation across my portfolios. The asset classes you choose to invest in will ultimately determine how your portfolio performs, usually more so than the specific investments you choose.

8. Toby Vaughan

Chief investment officer at private bank Brown Shipley & Co

TO HOLD my nerve. The idea that investments should be held for the long term is truer now more than ever. The world remains an uncertain place — and I expect lots of volatility in the markets in 2020.

9. Warren Shute

Author of The Money Plan

I WILL remember 2019 as the year of carbon emissions, their impact on the environment, and Greta Thunberg. I have decided to overhaul all my investments to ensure they adhere to ESG (Environmental, Social and Governance) criteria.

10. Tony Hazell

Money Mail’s letters editor

MOVE my investments to a cheaper platform. I’ve calculated that I will be thousands of pounds better off through my retirement by switching from Hargreaves Lansdown to somewhere cheaper, so I would be daft not to do it.