The start of a new year gives everyone the motivation to change their lives but few can do it or achieve the things they set at the beginning of the year. The reason is, many want to change or achieve more but do not take the time to properly reflect. When you reflect you allow yourself to understand where you are, how you got to where you are and behaviours you need to amplify or get rid of in order to be clear about what you want to achieve.
 
With this workbook, you will reflect on your finances currently, and set your goals for 2024 and beyond.