How do we want to set up our bank accounts? – Do we want joint accounts? – What do we need? – Expenses account? – Cheque account? – Investment account? – Savings account? – Holiday account Use credit cards instead and gain reward points? – Debit cards?
How much do we want to spend? ACTION – Draw up a budget of income and expenses every month with columns for current and future outgoings. Then you can decide which areas need increasing or trimming.