Where Are You Starting From...?

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 work hard 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 personal changes I have wanted to make.

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