Sinéad Ryan: Ten bad habits that could be costing you money – and how to break them

Taking a more ‘mindful’ approach to spending is a great way to help get your finances back on track

Contactless payments make it too easy for many of us to spend money, and it can quickly add up. Stock image. Photo: Getty

At last, with the longest month of the year finally over, the first pay day of 2026 has dropped. And not a moment too soon.

But if half of it has already disappeared into the black hole that was Christmas spending, then that means you will be playing catch-up a little bit longer while your finances recover over the next couple of months.

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