There comes a point in the year when your wallet is stretched to the limit. To prevent this, we’ve come up with 11 fun money challenges to help you keep your accounts in the black all year round. Our ideas range from giving up your morning coffee to saving for (and on) a rainy day, and they’re all designed to help you plan your budget and take long-term control of your money. The key is to set realistic goals and adapt the challenges to suit your lifestyle – and don’t forget to reward yourself when you’ve finished. If you want an extra bonus in your account soon, read on…