After the excitement of Christmas, January is naturally a month when we all feel a little bit low. The weather is usually drab, and money worries don’t help our mood – particularly if we’ve overspent on Christmas and the Boxing Day sales.
But don’t despair. Good financial planning always starts with a plan, and by making one, we can plot a path to repairing our finances over the coming weeks and months. In this edition of Thinking Ahead, our first of 2018, we examine the steps necessary to create a plan that you can stick with through thick and thin.
When it comes to managing money, it’s not all about hard-headed planning. In fact, the emotional promises we make to ourselves are actually a great way to refocus our financial planning on what is right for us.
In financial planning, we call these promises ‘goals’. By keeping our financial goals front of mind, we are much less likely to succumb to short-term temptations that can throw our plans off course.
And, as this is the month in every year when many people are forced to do something about their money problems, we think it should be re-named ‘Planuary’!
To get you started, we've produced four short articles that should help you build your own successful financial plan. Read them in order and you'll have a four-step guide to make sure your finances are in the right kind of shape to face 2018 with confidence. Happy Planuary!
Start with step one
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