Pay essential living bills first. If there is any money left over after paying your essential bills, you can work out how you want to spend that money and how it fits into your goals. Determine whether you can afford…

Start with a budget. Pull together your incomings and your expenditure including mortgage, electricity, gas, water, food, school fees, car and petrol. Look through credit card and bank statements for expenditures you may not need and separate them. During the…