By Jack Mendel Next year looks set to be just as “horrendous” for many families’ living standards as this year, as they are hit with falling pay and soaring energy, tax and mortgage bills, a think tank has warned. Households face a cost-of-living “groundhog year” with disposable incomes plummeting even further than in 2022, which saw the biggest annual fall in a century, according to the Resolution Foundation. The new year should bring some positive developments, including the end of double-digit inflation, fewer vacancies and recruitment challenges for companies, as well as a rise in benefits…