After a year in which fraud continued to rise, more bank branches shut and the Bank of England kept the base rate stable, you'd be forgiven for thinking 2019 wasn't too remarkable.
But you'd be wrong. Massive changes in the savings and pensions worlds meant that if you weren't on your toes, you might be losing out.
Which? has been there every step of the way to explain what it all means for your finances and to stop you getting shortchanged.
As an early Christmas present, we take a look back at the year's most-read Which? Money stories, as well as the most important agenda-setting investigations we've worked on from the past 12 months.
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Two hard-hitting original investigations provided an in-depth look at geographical detriment across the UK. In one, we identified the UK's fraud hotspots, while in another we revealed the cash and digital blackspots where residents are being left behind by the pace of change.
A volatile year in the savings markets continued as Al Rayan launched an easy-access account with an expected profit rate (EPR) of 1.6%. Interestingly, the offer didn't stay around for long - it's possible the bank experienced something of a rush on the attractive product.
It was big news when Tesco launched a loyalty subscription scheme. But at Which? Money, we picked the offer apart with our trademark forensic goggles on, getting to the bottom of whether or not the scheme actually represented good value.
November also saw Sainsbury's kick off its annual Nectar 'Double Up' event, which gave shoppers the chance to make their points go further. We took a look at the scheme and the small print to watch out for.
In December, another powerful investigation into retail banking revealed the best and worst bank accounts based on real customer views and Which? analysis of the products on offer. The results were good news for First Direct and challenger bank Starling.
This month also marked an end to the government's flagship Help to Buy Isa scheme, which was wound down afterhelping almost 350,000 save towards their first home. We explored the help still available for people hoping to get on the property ladder who have missed out on the scheme.
And finally, with Christmas just around the corner, NS&I picked the last premium bond winners of 2019. We revealed who won the jackpot prizes as well as analysed the winner trends over the last 12 months.