We've all had a somewhat challenging year and I thought to start the new year with some basic money management tips. Some may be things that you already do, and some hopefully are new to you, or they spark ideas…

Managing your finances without a plan is much like driving without a destination. You’ll never really know if you are there yet. In fact, you could be going in circles, or possibly drifting but you’ll never really know.
Making a financial plan is really not hat hard nor complicated. It just takes a but of focus and understanding your current situation and deciding where you want to get to. You can then break things down to small and achievable goals.
An important part of planning though is to understand that you can change your plans at any time. You need to constantly reassess your situation and decide if what you are doing is still the best path, and whether your ultimate plan is still relevant for your current circumstances.
We've all had a somewhat challenging year and I thought to start the new year with some basic money management tips. Some may be things that you already do, and some hopefully are new to you, or they spark ideas…
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