Getting into simple habits that can help save a little bit of cash here and there can soon add up.

Even if you are not expecting to get much of a pay rise this year, there might be other ways that you can make some more room in your budget.

According to Hannah Maundrell, editor in chief at money.co.uk, the best way to keep on top of your finances is to "set aside a little bit of time each week, even if it's just 15 minutes".

Ms Maundrell said a first step should be to make a budget that lists all the cash going in and coming out each month, remembering to include outgoings that are not necessarily household bills, such as gym memberships, money going into savings accounts or music subscriptions.

Maundrell then suggested checking the following to see if it is possible to get a better deal:

:: Gas and electricity - Those on a variable rate tariff could potentially save a couple of hundreds of pounds a year by locking into a fixed cheap rate.

:: Debts - If you have spare cash in savings, think about using it to pay down your mortgage or credit cards you are paying interest on. It could make your money work harder for you. Remember to keep a buffer in case you get an unexpected bill.

:: Credit cards - If you are paying interest then a balance transfer could save you money and help you to pay the debt off faster. You can check your chance of getting accepted for many cards before you apply.

:: Broadband, landline and television - Check what you are using and which channels you are watching and see if you could get the same deal elsewhere. If you want to stick with the same company, call them up and haggle.

:: Mobile phone - If you own your handset or are not tied into a fixed contract, consider switching to a sim-only deal.

:: Water - If you are not on a meter, but have fewer people living in your house than bedrooms, you could potentially save money with a water meter.

:: Reclaim - Check whether you were mis-sold payment protection insurance or hit with unfair bank charges in the past, or if you are entitled to compensation for delayed flights or trains. You do not need to pay a company to do this for you.

:: Insurance - Shop around. Even if you want to stay where you are, it is worth checking what you could pay for equivalent cover elsewhere and then using this to haggle your existing company down.

Some simple lifestyle changes could also help to keep your budget on track for 2017.

According to calculations from Standard Life, ditching a morning coffee bought on the way to work could potentially save around £700 a year, depending on the size of your caffeine habit.

Shunning takeaways and snacks could also help. Standard Life estimated that cutting out "impulse buying" altogether could save as much as £600 across 2017.

Citizens Advice also has some tips for organising your finances in the year ahead. It suggested keeping a diary note of annual contracts that are up for renewal, such as mobile phone or car insurance, and using comparison websites to see if you can get a cheaper deal before the date approaches.

You could also sign up to any free text alerts offered by your bank so you know when you are close to going into your overdraft.

If you are eligible for automatic enrolment into a workplace pension, consider paying in more than just the minimum. Contributions are topped up by your employer.

And if you are aged over 50 and have a defined contribution pension, you can get a free Pension Wise appointment to learn more about taking your pension.

for anyone with an investment portfolio, Jason Hollands, managing director of Tilney Bestinvest, said that reviewing it before the end of the tax year could be a wise move.

"A common mistake when investors are confronted by a looming deadline is to make hasty decisions and get caught up in the end of tax-year frenzy, swayed by expert tips on the outlook for the year and which sectors and funds might prosper," he said.

Hollands added that most people invest for a reason, such as providing financial security in retirement, funding children's education or paying off a mortgage.

"Each of these will have a broad time horizon involved and in most cases this will narrow with each year and therefore require a periodic reassessment as to whether the investment approach and level of risk taken needs to be adapted to reflect this," he said.

"Alongside considering the overall mix of assets you hold, it is also important to review and challenge the individual investments you own, to make sure you still have conviction in them.

"Circumstances change over time, so don't get wedded to decisions you may have made in the past that are no longer right.

"Funds that once basked in glory may have gone to the dogs or seen a change of manager which might require a complete reappraisal of the case for continuing to hold them and potentially switching to those with better prospects."