With another year done and dusted, many of us use January as the perfect opportunity to make (and ultimately, break) New Year’s resolutions. The success rate of these resolutions being achieved is in fact less than  8% overall!*

A deeper delve into this uncovers the real reason why –  people set goals that are too vague, or they don’t actually develop a plan to achieve them – it’s like heading to a destination without putting it in a GPS and hoping that you’ll magically arrive – chances are you’ll end up somewhere completely unintended.

So what is different about the 8% of resolutions that are achieved? They are generally built on a clear goal, with a structured laid out plan to achieve it and the discipline to see it through.

With that in mind – what are your money plans for 2021? Do you have a goal? Does that goal have a plan and course of action to achieve it, or is it just a hope and wish?

If you have any money goals for 2021 and don’t have the plan set on how to get there, reach out – I’d love to help you put a few steps in place to help you achieve it.

One of the goals that I have set for the last few years has been to do a frugal February. Last year, I added another layer to that and set a goal to document it every day on social media (a real challenge for me as I am not a huge social media user). This year, I will again complete frugal February as I have the last 2 years, with a little less emphasis on the social media side, but rest assured, I’ll be down and frugal this February, and I encourage you to join me!

If you need some inspiration, you can check out my story highlights from last year on my Instagram page @schmarrfinancialgroup.

Above all else, I wish you and your family happiness, health and prosperity for 2021. If you need any assistance in achieving your financial goals this year, then please don’t hesitate to reach out!



The information provided in this email must only be considered general advice. It has been prepared without taking into account any persons individual objectives, financial situation or needs. Before acting on anything in the article, you should consider its appropriateness to you, having regard to your objectives, financial situation and overall needs.