The thought of managing your money and creating wealth for your future may seem overwhelming but it doesn’t have to be. The key is to start with the basics – making sure you spend less than you earn – and build on that foundation. Here’s my four-step guide to help you become the best financial version of yourself.
1. Put your money to work
To get ahead financially you need to spend less than you earn. Easier said than done, given the rising cost of living, high interest rates and expensive rents. If you’re living from pay to pay there are a number of things you can do to turn things around.
The first step is to work out where your money goes, and that involves establishing a budget. Make a record of everything you
