This week: Develop a spending plan, which will tell you how much of your income needs to be moved to your spending account each month. This week: How much time are you spending on things that really matter to you? Record how you spend your time this week, see where your time really goes.This week: Look at your own financial situation and identify sources of income for later life, assessing the risks to those sources and the potential returns.This week: Find a drawer, box or cupboard, one that is out of the way, ignored and which you know to be full of ‘stuff’ not looked at for years. Aim to empty it by making a decision about every object. Decide to use it (so put it somewhere accessible and useable),...This week: Take the guilt away from saying ‘no’ to every charitable request. Based on your values and aspirations, decide which charitable organisations you want to be involved with, and say a guilt free ‘no’ to the others.This week: Clinging on to beliefs from the past will make sure that freedom always eludes us. Find time to relax and let go of these falsehoods.