New Year’s Resolutions – how to give your finances a thorough health check this January It’s still January but I wonder how many of us made and stuck to our New Year’s resolutions. Instead of committing yourself to some elaborate resolution, which may be all but impossible to keep, why not think about taking
Goals that don’t cost a penny
I’m going to look at three easily achievable goals that won’t cost you a penny, yet they’ll help to enrich you, or at least de-debt you, which is just as good.
1. Tell the truth
Do you sit at home feeling silently guilty about your purchases or about debts? There’s no need.
This feeling is not coming from anyone else; it’s coming from inside you. It’s important to distinguish between guilt and shame. Guilt is internal, shame is external. You feel shame when you’re caught shoplifting. Guilt is when you go shopping and feel bad about it, even though those around you don’t take any notice.