Do some housekeeping on your hard-earned money

If you had invested in shares and the target return was 12, see if that amount was achieved. – AFP

THE year 2014 is almost at a close. It is that time of the year again when New Year resolutions crop up in our minds.

As we look back on the experiences of the past year, we should also turn some of our thoughts to personal finance. A little keen reflection on how we have managed our finances is essential to create a strong foundation for a prosperous 2015.