Control your spending habits and budget

One of the first questions a financial adviser asks a potential new client is ‘What are your financial goals?’. Whilst many will think of owning a super yacht, others will ultimately think of financial freedom. Achieving financial freedom isn’t easy, it requires budgeting and forming better spending habits.

A few years back I heard of a 30-day technique which involved not buying something for 30 days and only after the period had ended could I buy it – if I still really wanted/needed it.

Now of course, without sounding completely ridiculous, this doesn’t work for everything. That said, my window sh