#38 What is the one financial goal you would like to achieve in 2021?
- Reduced debt?
- Increase pension contributions?
- Increase pension contributions?
- Save more for children?

Extract from the "2021 Life and Career Planners", link below"

Most people want to handle their money better but they don’t take any steps to improve their financial knowledge.

Simple commitment you can make to handle your money better include:
• Instead of taking taxis/cabs, I will take the bus whenever possible;
• I’ll spend less on makeup by…
• I’ll spend less on magazines by…
• I’ll spend less on clothes by…
• Whenever I want something I’ll wait at least [3] days before I buy it
• I’ll spend less on food at work by having breakfast before I leave home and taking sandwiches into work;
• I’ll stop leaving the heating / air conditioning on all day and set it on a timer;
• I’ll reduce my home’s heating cost by reducing the temperature on the
thermostat by [2] degrees;
• Our family will eat out twice a week only instead of the current [4] times a week;
• I’ll set a standing order on my bank account so that every [20th] of the
month [150.00] goes into my savings account.

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