Reflecting on what we didn’t achieve from our yearly intentions can be just as fulfilling as looking at what we did. It can help us get more honest about what really matters to us in the year ahead.

When we invest it can be tempting to hold out on selling in hope of a higher reward. But we need to remember what the money was really intended for.

We can look at others and think things are easier for them. But in truth, the only barriers are what we set for ourselves. It’s time to break out of our self-imposed lanes.

When we look at our ‘life balance sheet’, it’s often obvious that the scales are tipping in one direction at the expense of other things. This isn’t actually a bad thing — if we’re doing it with intent.

Whether it’s unsubscribing from spam emails or double checking those odd charges on your bank account, a small effort now could make a big difference in the long run.

If we think we always ‘should’ be focusing on our money and push ourselves when we’re not feeling it, we can lose steam. Some chill time can get us ready to drive harder again.

Labels have connotations, and those connotations can block us from taking action — especially when it comes to our money. A bit of self awareness and reframing the conversation can take us a long way.

If we tell ourselves we’re bad with money, then of course we’re bad with money. But what if we start to change the narrative?

It’s easy to be lazy in casual conversations, but without putting a bit of thought into what we say, we can actually have a really negative impact on others. I’m convinced we can all do a hell of a lot better.

In an era where interest rates can go up on properties, sometimes paying off debt can be a smarter move than chasing tax deductions.