It's that time of the year when wallets are generally lean after the excessive spending of the yuletide season.

Yes, the holidays are over and while some smile at the photos and memories from the last few weeks, many others are grappling with an unpleasant reality - a bleeding bank balance.

With January usually comes depleted reserves which of course no one likes because no one likes to be broke. Do you find this to be the case with you? Are you weary at the thought of the long month ahead? This needn't be the case anymore as we've compiled helpful tips to get you through the long days ahead.