🎯 How 30 minutes could change the course of the rest of your year

Dear Fellow Financial Freedom Seeker,

Can you believe we’re already halfway through the year? 😱

This year it’s particularly emotional for me. Not because of my finances but because my newborn is already a 7 month old baby. I am already feeling “they grow up so fast” as my reality.

On a financial level, this is the perfect moment to pause, take stock, and make sure your money is still working for you.

Many people wait until December to review their finances, only to realise they’ve drifted off course and not met goals. But you don’t have to leave it to chance.

Your One Simple Step this week is to

Do a Financial Health Check

Here’s how you can get started in under 30 minutes:

🌟 Review your spending: Are your expenses aligned with your priorities? What can you cut or tweak? What unexpected costs have you encountered? You can use my free cost categoriser here to break down your spending by categories to help you visualise where you can optimise.

🌟 Check your savings goals: Are you on track to hit your targets by year-end, or do you need to adjust your monthly contributions?

🌟 Audit your debt: Have you made progress paying it down? Could you refinance or pay extra on high-interest balances?

🌟 Revisit your income: Is there an opportunity to increase it whether that be through negotiating your salary, side income, saving or investing?

This quick check-in now will save you stress later and help you finish the year strong.

Because by reviewing our finances in real time we gives ourselves the ability to be agile and proactively stay on track to achieve our goals.

Find my emails useful? Refer just one friend who signs up and I’ll give you 30 minutes of my time to discuss your budget, financial goals or anything finance related with me.

To your progress,
Pernia | Your Finance Travel Buddy