Claer Barrett wrote this article in the Financial Times:

If your personal finances have ended the year in better shape than they started, I salute you.

Congratulations if you have managed to increase your income in line with inflation.

To add to this, the performance of our investment portfolios has suffered, and we now have the unappetising prospect of higher taxes to look forward to in 2023, which means financial planning has never been a more valuable activity.

Here are four ideas to ponder over "Twixtmas" to get your finances in shape for the year ahead.

1. Can you manifest money in 2023?

Financial resolutions are easy to make - but much harder to stick to. The latest TikTok finance trend you've never heard of is performing a #moneymanifestation, which involves chanting a mantra to yourself every morning and evening along the lines of "Money will flow to me - I am a magnet for cash" or "I am worthy of becoming a millionaire this year".

Quite obviously daft - or is it?

Psychologically, using this technique to focus on a (more realistic) financial goal that you want to achieve in the year ahead could spur you to make it happen.

From getting that promotion, pay rise or increasing the turnover of your business to paying down debt or saving for a house deposit, "we gravitate towards and attract that which we think about most of the time," says Timi Merriman-Johnson, better known as financial educator Mr MoneyJar.

He thinks of manifesting as "putting things out into the world that I'd like to receive back" and will be using this to stick to his money goals in 2023. As a technique that costs nothing, I'm willing to give it a try!

2. Look at the bigger picture

New year resolutions need to stretch beyond January, but goal setting is so much easier if you can see the bigger picture.

It's now possible to see all of your bank accounts and credit card balances in one place using tools like Money Dashboard Neon or Emma, which connect all your data from different providers. The former has a desktop version, perfect for older eyeballs, as well as a smartphone app. I'm hoping more Isa and pension providers will get on board in the coming year.

Even if you use something simpler such as a spreadsheet or a notebook, mapping a yearly money plan for 2023 is worth doing. Look at your monthly cash flow for the year ahead to better manage lumpy expenditure, think about how best to use your bonus (assuming you get one) and prepare for budget shocks such as a fixed mortgage rate expiring.

Investors and limited company owners need to plan for changes to dividend tax and capital gains in the next tax year, and remember - accountants and financial advisers are going to be even busier than usual in the first quarter of 2023.

3. Rethink budgeting

"Try to set up systems for 2023 which will serve you well, and also help your finances in the long run," says Mr MoneyJar. We often think of budgets as being monthly but he does a weekly financial check on Sunday, which helps guide spending decisions for the week ahead and makes it easier to spot problems before they happen.

His other tips include synching your direct debits to come out on or around the same day every month and hiving off money that you can spend day-to-day into a separate account with its own payment card.

4. Deal with debt

There are some red flags that show when your borrowing may be turning into a problem for you, says Sara Williams, the debt adviser behind the popular Debt Camel blog and Instagram page.

"If your debts are going up, if your overdraft is creeping up most months and you're in it for more days [and] if your credit cards are going up. These are signs that you are not really getting your debts down in any one month, and probably don't have enough money coming in for what you're spending," she says.