Do you have any new money goals for 2021?

NICOLA FIELD

Nicola, who writes for Money, says: “Getting smart about super is top of my money to-do list for 2021. As a self-employed freelancer, I love that I can claim my super contributions on tax. But instead of tipping in one big lump sum as part of the mad scramble at the end of each financial year, I’m setting up regular contributions to steadily grow my super savings. Dollar cost averaging, here I come!”

JULIA NEWBOULD

Julia, Money’s editor-at-large, says: “I want to flip my spending mindset and stop poring over shopping catalogues and lock more of my income away for big-spend items like a new bathroom with a bath. I usually set up special accounts for projects like this so I can be motivated as I get close to my goal. I also want to eat out less for both health and wealth reasons.”

DAVID THORNTON

David, senior journalist at Money, says: “The pressures of 2020 have forced me to focus on paying down debt and saving rather than investing. It’s a shame, because it would have been a great time to invest. In any case, I want to jump back on the investing bandwagon. I’m no stock picker so I’ll probably find a passive ETF that replicates an index.”

ANNABELLE DICKSON

Money contributing journalist Annabelle says: “This is going to be the year when I get serious about investing. Given the low rates in deposit accounts, I plan to put aside some of my savings each month and invest it in a low-cost ETF so that I can reap the benefits of compound interest. Aside from this, I am going to stop buying takeaway coffee every day and make it at home.”