ARE you one of those who make a resolution every new year, only to give up on it within the first few months? If yes, then you're not alone! Financial planning is often one of the most difficult commitments to keep. But with smart financial management and goal setting, you can easily bring your resolutions to life.

The start of a new year presents us with the perfect opportunity to refocus our financial goals and make positive changes. Starting off your year on the right foot with the right financial goals and strategies can make all the difference when it comes to achieving your short-term and long-term financial objectives.