Half Yearly Money Check-In
How are you getting on with managing your money at the moment? Sticking to money resolutions can be tricky, but with the right strategies, it is possible to achieve your financial goals. Make sure you set realistic and achievable goals. Try to break down any larger goals into smaller manageable steps. Don’t just say that you want to “save money”, make it tangible by setting a specific amount. You can then make a plan to achieve this. At this stage, I would say that if you aren’t already recording your monthly spending, grab a notebook now and write down all of your income and expenses for a month. Can you identify what your spending habits are? Can you see ways in which you could cut back and save that money instead? For example, instead of buying lunch or eating out, try taking lunch or cooking at home instead. Keeping a record of spending and saving will help you stay on track and only make adjustments when necessary. I’ve found that people are more successful at achieving thei