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January is a tricky month for family finances with the Christmas hangover and millions counting down the days until the next payday. Our expert Iona Bain's got her guide to fixing our finances in 2024. She'll tell us why having two bank accounts and paying yourself a 'salary' could be one of the best ways to budget.

To watch this with subtitles, go to 麻豆官网首页入口 iPlayer and search for Morning Live 02/01/24.