Financial results come from decisions repeated over decades: consistent saving, avoiding catastrophic debt, insuring against disaster, and not interrupting long-term plans for short-term noise.
Part 01
The lesson
Write down what you are building toward and the date. Money without a destination gets spent on whatever is nearest.
Reflection
Questions to sit with
- 01Do you know exactly what you spent last month, or are you estimating?
- 02If your income stopped today, how long could your household continue?
- 03What are you actually building toward financially, and by when?
Put it into practice
Action points
- 01Track every expense for 30 days and categorise them at the end. Do not change your spending in week one — just observe.
- 02List every debt with its interest rate on a single page and choose a repayment order.