Every late December, for the past decade or so, I’ve promised myself that I’ll sort my personal finances out. All those festive pints. All those train tickets home. All those panicky, last-minute Christmas presents you absolutely hurl money at out of a vague sense of shame and fear… they all add up. Before you know it, you’re deep into the Midnight Zone of your overdraft, your bank card so hot that, when the smiling shop assistant hands it back to you, your account number and sort code is immediately seared on to the palm of your hand. Every year this happens. And every year I tell myself, never again.