This check-in is less about asking, “Did I achieve everything I planned?” and more about looking at what has changed and whether the plan still makes sense for the months ahead.
When you think about saving for December, what comes to mind? For some, it is Christmas shopping: clothes and shoes, groceries, gifts and other things to get ready for the season. There may also be home expenses, travel costs or things you have been meaning to buy before the year ends. Then there are concerts, dinners, outings and other plans that come with the season. Your list may look completely different. You may not have any of these on it. But if there are things you want to and will spend on this December, it helps to know what they could cost before the season gets busy.
You earn what many would call a “decent” salary. You budget carefully. Yet the thought of buying a car, moving into your own home, or even replacing your old fridge feels completely out of reach.
Access to finance can determine whether a business grows, adapts or misses its next opportunity. We explore what's standing in the way and what's needed to change that.