FERNWOOD FITNESS - PULSE eMagazine - Issue#14 - Flipbook - Page 45
Step 1:Take stock
Before you make any grand plans, let’s get clear on where you stand.
• Check your spending: over the past few months. How much went
on travel, gifts, dining out, where you may have overspent?
• List your debt balances: credit cards, BNPL, personal loans. If you
used any extra credit for holiday fun, note it now.
• Check your savings / buffer: How much is in your savings? Did it
drop during the holiday season?
• Set a short-term goal: e.g., “I will clear my credit card holiday
balance within 3 months,” or “I will rebuild my savings buffer to
$1,000 by end of March.”
