January traditionally starts with wishing everyone we meet a "Happy New Year". It's a great thing to wish, but how likely is it? Full of doom and gloom, the papers are constantly warning us of the money worries people across the UK have to face as the New Year gets underway.

Here are some ideas that you could try before the end of the world - which is this Friday apparently. Shame.

We've just launched the All About Money report - the first in a quarterly series of reports looking at how people in the UK are managing their finances.

Cheap/free things to do in… Manchester, UK

Manchester: the city of the Stone Roses, the Reds vs. the Blues and the Rovers Return.

With the help of this guide, you can experience this great city for less. Read on for some ideas of free (or at least cheap) things to do in Manchester.

Worried about the latest raft of bills to land on your doormat? You're not alone. But fear not - because the home of the future promises to cut our bills in a number of weird and wonderful ways.