Money matters with Effie Your 2022 finance workout
1. Review your spending
The best way to start the new year is to review where your money went last year. This can be as easy as printing out your online bank statements and highlighting your expenses. What you’re looking for here are answers to these questions:
• Did you overspend in some categories?
• Is your spending in line with your goals?
• Do you have too many discretionary ‘tap and go’ purchases?
• Do you need to review some of your household bills?
• Do you need to make any changes in the new year?
