A new year, a new you and time to get your finances in shape.

We've put together 22 tips to help get you started.

1. Ditch your bank and earn up to £125

Switching is quicker and easier than you think. And it can garner you instant cash.

The Co-Operative Bank is currently offering £125 to new customers who switch using the Current Account Switch Service. Those who meet the account criteria can then earn up to £5.50 a month.

It's worth keeping an eye on switching deals as banks often increase their offers to compete with their rivals.

HSBC* has been known to offer £200 in the past.

M&S Bank gives new customers a £125 gift card and tops it up with £5 each month £1,000 is credited to the account. This is paid for the first 12 months.

First Direct* will pay £100 to new customers. See here for more of the best bank switching deals.

2. Give your pension a little love

Pension saving offers some of the biggest guaranteed returns available. It's not complicated.

We've put together a five-point checklist to work through which could save you tax, boost your returns and put your pension on track.