2024 kicks off with a number of mortgage lenders reducing their rates, easing the monthly payment shock for many people who are due to remortgage soon.

Might be time to look at your mortgage.

Saving money is the first step. Then, decide if you're happy with the interest or if you're looking to grow that sum through investing. There's a range of investments available, and it's smart to diversify. Whether you're a risk-taker or prefer playing it safe, there are options for everyone. The key is to get investing as early as you can, no matter your style.

• The Welsh Government has a budget of around £22bn, with about 80% spent on the health service and councils.
• The NHS has been given an extra £450m in the 2024-25 Welsh Government Budget.
• There will be no rise in either income tax or land transaction tax in the 2024-25 Welsh Government Budget.
• There will be £134m of Non Domestic Rates relief (business rates relief).
• There will be a review of charges for dental care, tuition fees and domiciliary care, all of which could go up.
• Social Care Wales workforce development grant programme (SCWW...