If your resolution is to get a handle on your money, this year might be a little more challenging for some people. Lucky for us, personal finance expert Bruce Sellery is back this episode. He’s the CEO at Credit Canada Debt Solutions and host of Moolala, the weekly personal finance radio show on SiriusXM. He has some concrete tips for managing your money in a year with continued high-interest rates, high inflation and a looming threat of recession.  For more financial advice visit Scotiabank’s Advice+ Centre.    Key moments this episode:  2:05 — Why people are looking at their finances a little differently in 2024  3:03 — A shocking stat that illustrates the need for help with personal finances  5:03 — "I can't afford my life!” — what Bruce is hearing from his clients  6:23 — The first thing Bruce has people consider about their finances heading into the new year  10:05 — The next thing people should think about: savings  11:01 — Bruce’s secret to saving money  11:33 — Two pitfalls around emergency funds  13:24 — The third thing to think about in order to get a handle on your finances: optimizing returns  14:34 — Bruce answers the question he gets all the time  15:20 — What Bruce is hearing around mortgage payments from clients and why it’s a shock for many  16:58 — Some tips on staying on top of your finances without thinking about money all the time  18:20 — Why Bruce thinks strict budgeting isn’t sustainable or effective  20:30 — Ending with wise words from one of the greatest philosophers: Bruce Sellery