Knowing Exactly Where You Are...

Many years ago I got myself into a bit of a financial mess. It took hard work and discipline to get out of it, but the first and most important step was to look in honest, painful detail at how much I earned, how much I owed, and how much I was spending, so that I could adjust my habits and eventually clear my debts.

That process - examine the starting point, work out a plan and do the work until it’s done - is one I have used time and time again in the decades since, not just for problems, but for goals, challenges, and changes I’ve wanted to make.

A journey of a thousand miles may begin with a single step, but before that, we need to know exactly where we’re starting from….