2020 was a turbulent year for most people’s finances, but the new year provides the perfect opportunity to set some ‘financial resolutions’. The guests on the first podcast of the New Year, couple Toby and Siobhan, are looking for some ‘fin-spiration’ to get their money working harder in 2021.They’ve paid off their credit cards under lockdown, and are wondering where to direct their spare cash: overpay the mortgage, or put more into pensions or other investments? There’s also one financial to-do that they’re been putting off for a long time: making a will. Money experts Ken Okoroafor from The Humble Penny and Dan Garrett, co-founder of digital will-writing service Farewill, provide some useful tips.

If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.

Further reading:

-You can follow Ken Okoroafor on Instagram 

-If you’re looking for fresh ideas about what to do with your money in 2021, Claer has asked podcast hosts from the finance and business world to share their financial New Year’s Resolutions for 2021. Covering investing, saving, financial planning and side hustling, you can read insights from Patricia Bright (Caught Off Guard), Emma Gannon (Ctrl Alt Delete), Chris Browning (Popcorn Finance), the FT’s former editor Lionel Barber (What’s Next?) and many more.

-Here’s some further reading for listeners who are considering making a will. The pandemic has forced through legal changes making it much easier for people in England and Wales to make a ‘digital will’ online. Read this FT Money piece to find out how

-For a more general grounding on wills, read this FT article - 10 things you need to know before making a will 

-And here’s a useful Money Clinic podcast on credit card debt. Claer finds how to keep credit card spending under control

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