It takes 66 days on average to form a new habit. So if you get started now, by the time 2024 rolls in you’re going to be in a much better position. So, let’s do this! What is one goal you can set yourself right now to work on for the next 2 months that will help you feel amazing come NYE?

The biggest issue with overspending is the fact that you’re living outside your means. When you do this you can get yourself into a sticky financial situation including debt, struggling to manage your money and being unable to save or invest, which has a detrimental impact on your financial progress. Understanding and overcoming overspending is one of the most important things you can do when it comes to working towards financial independence. 

Here’s something that a lot of people don’t realise - if you have a pension, you are already an investor! A pension is essentially another way to invest in the stock market. Whether you choose to invest by paying into your pension or the stock market is going to depend on your big life goals and your time horizon. Either way, learning to invest is the best way to build wealth and protect yourself against inflation for the future.