There are more important aspects in life than money and one of them is enhancing our lives and those of our family. Money is really just the fuel which can be used to help meet our personal aspirations, but is not necessarily the essential part.

As we are now a few weeks into the new year and decade many lists of things to stop doing - which may revolve around drinking, eating or maybe being less disorganised – will have been made and in many cases probably broken! New Year Resolutions don’t often provide a great outcome!

I think it is best to focus on a list of things to “start doing”, rather than “stop doing”. Ideally things that are really important to us, such as for example, spending more time with family, helping others, taking more time off, learning a new skill, doing some community work etc.

We all have ambitions and dreams of what we want to accomplish in our lives and the only thing really stopping us from making these a reality is “us!”

Money is a tool that can be used to close the gap between where we are now and where we want to be. But money is not the only “thing” we have at our disposal to invest. There are other factors that are probably more important and are likely to have a bigger impact on our future wellbeing.