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Have you started another year with less money than you need to make ends meet? Between Christmas, summer vacation and the start of the new school year (in the Southern Hemisphere), January can be wildly expensive. And with money being one of the top causes of stress in the world today, getting it under control should be a priority.

It can feel easier to bury your head in the sand when things feel hard, but in the long run it just makes the problem worse. So chin-up, listen to this week's episode and get your head around the first steps required to getting your money under control.