This year, I want to be financially savvy.  I am not impressed with myself when it comes to handling money. When there’s money available, I spend it to the last cent. I should learn to set aside a rainy day fund and I must (to the best of my ability) not use that money for leisure.

My other goal is to be more mindful of my future. Come to think of it, I do not have an insurance. What I need to do is know which financial institution offers the the lowest life insurance rates. I need to start thinking of my security and that of my family’s.