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  1. Write down your budget, monthly so you’ll know where your money is going
  2. Know the rules of your credit card – play them to win**
  3. Pay off & close some of your credit card/s, store cards or loan accounts
  4. Get your credit profile – free of charge
  5. Save some money  – do you know about the Govt retail savings bonds?**
  6. Do you own a home? Increase your monthly bond repayments
  7. You don’t own a home? Why you should buy one asap
  8. Draw up a will
  9. Name or update beneficiaries on your life cover, pension fund, etc…
  10. Premium waiver on your policies? Exercise your option!
  11. Are you a parent?  Get Fundisa**
  12. 12. Draw a plan to become rich – no one gets rich by mistake, unless you win a lotto!

** These are covered in detail in the book and will be covered in detail in a talk if you invite me to come talk to your staff members.

12 thing you can do in 2012

1. Write down your budget, monthly so you’ll know where your money is going
2.