Before doing anything, I want you to look at the year ahead. What is coming up for you? I'm talking about ANNUAL spends that happen like car insurance, and significant events like birthdays.

If you highlight events like these, you can work payment plans into your monthly budget, making it effortless! Just pick a day that suits you to transfer it over to a holding account until you are ready to use it.

Forewarned is forearmed!