Budget It.

Everyone hates the word “"Budget”- this really is not a budget but more of a guide for you to review what your cash flow requirements are each month. Once you have this magic number, it becomes really easy to plan for your future goals.

TIP: Understanding your cost of living is extremely powerful. It will guide you to understand your maximum purchase price when buying a new property, show you how much you need to have in your bank account before going on maternity leave, how long you can take leave without pay or save up for that special thing you want. There are some great apps that can help you review your spending in real time too.