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.

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

2.