Although it’s normal to reflect on the past year and make changes for the new year, we can shatter our financial confidence if we don’t keep our promises to ourselves. It could be that your resolutions are too extreme or unrealistic or perhaps you try to make too many changes in one year. In some cases, circumstances we did not plan on can also influence our financial behaviour.
My advice to you is to keep it simple. Consistently making smaller changes in how you view finances, will bring about more positive and sustainable change in the long term.