Be budget-conscious

You struggle to save money and keep applying for credit cards.

When it comes to changing our spending patterns, it’s often said that we should put all our frivolous habits behind us to make a fresh start in the new year. But we try that with diets, and the depressing news is that we don’t change much. We all think that we’ll be better organised in the future, but the only way that will be the case is if we take steps to do things differently. To do that, we must examine what didn’t work in the past. This can mean looking at a budget to see what you spend on coffee every day, for example. Or if you know that you’ll raid your piggy bank, put that money into an account that you can’t access so easily.