Welcome to January, the month many of us kick off with resolutions of the ‘must do better …’ kind. According to Statista, saving money / spending less sits 4th in the top 10 new year resolutions for 2019, whilst variations on a theme of saving money, spending less and earning more feature throughout the many resolutions and intentions posts trending across the blog-sphere, including here at Student Wire [anchor text for SW internal blog post link]. And if you’re a student you’ll certainly know why! After all, there’s nothing like almost a month of seasonal celebrating to empty a bank…