While there are countless ways to get your finances in order, it all starts with learning what’s important to you and your family: What are your priorities, what are your values? Once you’ve established that, the steps you need to take should become more clear.
If you want to stick to your New Year’s Resolution or any new habit, don’t hinge it on a single behaviour. Instead, come up with as many different behaviours as you can think of—or what Stanford social behavioural scientist BJ Fogg calls a “Swarm of Bs.”
Maybe you’ve already started to reflect on where 2019 has taken you, and what you want to focus on in 2020. You’re planning a trip, or figuring out how to get back to the gym regularly, or thinking of starting a hobby. But have you thought about your money?