This week: Decide a start date for your life and financial plan. This could be Jan 1 or your birthday; The start of the tax year, your business year start or the start of the academic year might work better for you.This week: Live in the moment. Practice mindfulness, a practice which brings us to the here and now, living for the real moment, not the past, or the future.This week: Create your own lifetime cash flow document. You can construct your own using Numbers or Excel. Alternatively subscribe to Living Money’s lifetime cashflow app.This week: Try to use debit cards rather than credit cards. If you use credit cards, stick within your spending plans.This week: Plan to repay the most expensive debt first, then deal with less expensive debt. This week: Think about your attitude to risk. Decide how much risk you are comfortable with as you plan your portfolio.