Style Magazine - - Promotion - BY CRE­ATE AD­VICE GROUP

Th­ese tips can help your health, wealth and hap­pi­ness flour­ish in the com­ing year.

An­other year has flashed by even quicker than the last.

Now’s the time to look back on whether you achieved ev­ery­thing you wanted to last year and set your goals for the com­ing year.

Here are some tips to help you get or­gan­ised.

Health and fit­ness: Make ap­point­ments for health and fit­ness as­sess­ments. Then set your goals and work out a plan for achiev­ing them. Check any fit­ness club mem­ber­ships—and your bud­get—to make sure you’ll be able to re­new them when the time comes. You can also build less-ex­pen­sive op­tions into your weekly sched­ule like run­ning, walk­ing, stretch­ing, body­weight train­ing, and if you’ve got a bike, maybe some cy­cling too.

Fi­nances: Your new year will be much eas­ier with your fi­nances in or­der.

Put a bud­get in place so you’ll have money to cover ev­ery­thing you’re aim­ing to achieve in 2019—in­clud­ing Christ­mas shop­ping later in the year.

Switch to pa­per­less state­ments and bills and save on mount­ing pa­per­work while you help the en­vi­ron­ment.

Sort out your su­per­an­nu­a­tion. Find any lost su­per and bring your su­per to­gether so you’re not pay­ing ad­di­tional fees. Con­sider top­ping up your su­per with be­fore-tax dol­lars too. Salary sac­ri­fic­ing can make a big dif­fer­ence to your nest egg.

Set-up a file for your tax re­turn—with a place ready for fil­ing re­ceipts through­out the year there’ll be no need to go search­ing and tax time will be much smoother.

Put plans in place to re­duce your debt. Con­sider putting ex­tra money into your credit card and visit a fi­nan­cial ad­viser so you can make plans to pay off debt and free up some cash.


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