Do you know how much money is in your account? Do you have enough to cover your bills? Do you know how much you spend each month? To stay on top of your finances and to manage your money smartly, you need to regularly reconcile your bank account or “balance the books”.

The New Year’s resolutions you probably haven’t thought of (but should have).

It’s January 2018, a month where most people choose resolutions for the rest of the year. We all know the common goals, such as losing weight, eating more veggies and finding a better work-life balance, but we’ve suggested a few others to help you get more organised for the year ahead.