Keeping your personal finances healthy until the end of the year can be a real challenge, especially if your bank account took a hit during the summer holidays. You may have taken out a loan or used up all your holiday allowance and your tax refund. And if you have children, getting your accounts back in balance can be even more complicated, with school starting back in September. ‍But don't panic. There are strategies you can implement over the next few months to get your finances back on track before the end of 2023. Here are some of them.