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Compile a monthly budget and stick to it.
Set yourself financial goals to work towards.
If you get a bonus, use it to pay off debt first.
Teach your children to save.
Don’t spend money you don’t have.
Understand what bank charges are really costing you.
Invest now for the future.
Complete your tax return on time.
Protect your family and health.
Save for your child’s education.
Understand the jargon related to money.
Donate to a charity.
Know how to protect yourself against fraud.
Understand what a loan is really costing you.
Get debt counselling if your finances are in a mess.
Formalise all loans, even between family members.
Buy or make smaller, thoughtful gifts rather than overspending
Get to know your money style.
Choose to do what’s smart over what’s easy with your money.
Consolidate your debt.
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