Amidst all the busyness it’s important to remember to keep financially fit and make sure that you hold onto those resolutions you made at the beginning. Here are five tips to keep you financially fit and strong, and to help you get there if you’re still on the journey:

Design a savings plan – if you haven’t already got a plan in place for your money, get it done now. Put pen to paper and track where every cent goes. This way you’ll be able to account for exactly when you spent the money and exactly what the purchase was for. This also helps you spot patterns that could potentially be harming your finances and to put measures in place to make sure that you are living a life you can afford. Always follow the financial rule of thumb, of earn more than you spend.

Become creative – there are so many ways to spend your money meaningfully and in ways that will allow you save even more. If you’re used to buying lunch at the canteen every single day, why not buy a few ingredients to make your own lunch at home? That way you can save on the spending and also tailor your meals to make sure that they are healthy. Or perhaps you’re one of those who buys a latte at the café each morning? Rather buy a tin of coffee or get a second hand coffee machine so you can whip up your own, for less each morning.

Keep it going – if you’re currently paying off debt, make sure that you keep things constant by not backtracking on this. The more consistent you are, the quicker your debt will be paid off. Plus if you are good with paying things off when the first debt falls away, you can use that money to increase the debt repayment on other debts. Always keep the repayment process moving.

Define your goals – it’s important to know exactly what you’re going to do with the money you’re saving. If it’s for a trip, a new car or your emergency account, stipulate exactly what you’re saving towards. This will make it easier not to feel the need to take it out for other things, because there is a specific goal in mind.

Truth About Money – this 1Life initiative, is designed to teach you everything you need to know about your money and how it can work for you. From debt management, to the planning of wills and estates and a free financial education course worth R2500, every South African can become a part of taking control of their finances.

And because you want to make sure that your healthy financial choices impact your family and those who you provide for, moving your financial muscles in the right direction means longer lasting fitness for everyone.