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Amid all the financial gloom, there are definitely some glimmers of sunshine breaking through the clouds.
If you've been struggling to pay your gas and electricity bills, prices are on the way down.
Meanwhile, average savings rates have crept up over the last year, and some impressive deals launched in the first few days of the new year are giving savers hope of a positive trend.
There are opportunities for some borrowers to make savings on their mortgage, and the start of 2012 has also been marked by intense competition in the current account market, with a range of switching "bribes" on offer.
This week, comparison website MoneySupermarket.com looked at the financial deals on offer and compared them with those available in January 2011. It says average savings rates are up, and average mortgage rates are down, while there are lower interest rates on loans, and the average promotional period offered on a credit card is at a record high.