In this episode we cover some of the basic things I do every January to kick start the calendar year.

👉🏾 review budgets

👉🏿 protect my downside risk

👉🏻 review debts, interest rates, terms and condition

👉 keep investing

👉🏼 review all insurances

👉🏽 practice giving

👉🏾 make goals for the year

Past episodes on budgets:

545 budgeting types explained

218 budgeting strategies

Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.

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Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf

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