<div style="page-break-before:always; page-break-after:always"><div style="page-break-before:always; page-break-after:always"><p><b>1 GET YOURSELF SORTED </b></p><p>Clear out your cupboards and drawers and get rid of anything you don&rsquo;t need; you could try making some cash by selling unwanted items online such as on local Facebook selling groups or eBay. Then organize your drawers and cupboards and ensure everything has its place; you&rsquo;ll know exactly what you own, so you&rsquo;ll save time if you&rsquo;re looking for something and you&rsquo;ll also avoid making a repeat purchase of something you already have. Go through your paperwork, file away important documents and dispose of anything you don&rsquo;t need anymore; shred first if it contains personal information.</p><p><b>2 RIGHT ON TIME </b></p><div style="page-break-before:always; page-break-after:always"><p>It&rsquo;s essential to pay bills on time &ndash; you&rsquo;ll avoid the risk of late payment charges, plus paying them late could have other consequences such as affecting your credit rating. Get a folder to keep your bills in; if your bills are digital, keep them in a file on a computer. Mark on your calendar when they need to be paid. Paying by direct debit is usually the easiest way to make sure bills are paid on time.</p><p><b>3 IT&rsquo;S A GIFT </b></p><div style="page-break-before:always; page-break-after:always"><p>Ensure you plan ahead for occasions so you don&rsquo;t get caught out needing to buy at the last minute, which could leave you at risk of having less choice or being tempted to spend more than you&rsquo;d planned to get something you like.</p>

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{{magzter}} is the World's largest and fastest growing self-service, cross-platform digital newsstand with over 87 million users since its inception in 2011 and thousands of magazines and newspapers across 40+ categories and 60+ languages. Headquartered in New York, Magzter has its local presence in Amsterdam, London, Mexico City, Chennai, Mumbai, New Delhi, Bengaluru, Singapore, and will soon be expanding to other countries. Founded by global entrepreneurs, Girish Ramdas and Vijay Radhakrishnan in June 2011, Magzter enables magazine and newspaper publishers around the world to create and deliver digital editions of their titles to global consumers.