Meet The latest B&B

 pharmaceutical employee”

Ade wrote on his WhatsApp status after jumping with delight. He was more than proud of his new job and so were his family and friends. Days passed, several events and additions in his life, only for him to realize he has been working for so long with no actual plan in place for when he stops working; his retirement. This particular thought ushered so much unhappiness and worries to his mind.

The truth is the wheel of life spins so fast and sometimes uncontrollably. One minute you are in an interview room, the next you are sitting chiefly in front of your desk calling the shots and in a flash you have children who think the world of you. The same happens to income and expenses. While income trickles in monthly, expenses come in to drain it all. With this kind of arrangement or cycle, one begins to wonder how they can plan for the future? The ultimate questions are;

How can I maintain my present lifestyle

when I retire from work? How can I retire happily?

Retiring happily depends solely on how well you put a number of things in place. This will require that you drop all negative thoughts on retirement and think positively about it. Retirement is not what is meant to be pushed to the future or left alone to sort itself. Start by mapping out a plan as a lot of decisions, investments, resources go into retiring from work.

In the words of Dwight D. Eisenhower, “Planning is everything and in planning retirement, you have to bring the future to the present to decide how you want it to be. So it is important to plan it first.”

One of the major things to do when planning retirement is to have certain investment plans in place. It might be Annuities, Real Estate Investment Trust, any mutual fund of your choice, or a real-time physical business with yielding interest. Consider a medium risk investment as retirement planning has no space for risks that could lead to any form of loss.

Investment plans may not be that possible or convenient if you don’t have your finances in order. Get you expenses in line with what you plan. Next and most important is writing your Will. This is because since you are putting in so much work to build investments you need to secure them in a Will and ensure their continued relevance by providing beneficiaries that can step in when you are not there. This ensures that no matter what, your hardwork is not in vain and goes in the care of people you choose, trust and love.

In a nutshell, retiring happily is a fine mix of getting your finances together, investing wisely and  writing a Will to protect your hard work. Do not neglect any.

You can visit the iWill platform to find out more about how to write a Will without hassles. Feel free to send an email to wills@leadway.com or reach out to us on our social media platforms if you will like answers tailored to the peculiarities of your situation.

The post How Happy Do You Want To Retire? appeared first on LEADWAY CAPITAL.

Gbemi got her first job immediately after NYSC and was super excited about it. She got a good offer and was excited to get on with life. In a few months she lost her elder brother who had finished school three years earlier and was working at a multinational. When the lawyer broke it to the family that her brother left her something in his will, she was taken aback. Being barely 29, she did not think that her brother would own a Will. A few weeks later, she visited the iWill platform and reached out to us.

A will is a legal document that outlines your wishes regarding the distribution of your property after you are no more. Having a will is arguably one of the most important things you can do for yourself no matter what age you are. Not only can a will legally protect your assets, but it gives you the room to protect your loved ones too.

The common misconception is that Wills are for the rich and wealthy. This, however, has been proven false. Regardless of how much or how little money you have, a Will ensures your wishes are heard. It states that whatever personal belongings and assets you have will go to family or the beneficiaries you name or designate. If you own a business, a Will can help ensure a smooth legal transition of those assets.

Now that we have ascertained that a Will is important for everyone, how do we know it is the right time to write one just like Gbemi’s brother did? Below are questions you need to answer.

Question 1: Are you above 18?

One of the prerequisites of writing a Will is that one must have attained the age of 18. It is assumed that at this age, you are old enough to understand what a Will is and have full mental capacity to accurately pen down your wishes. Gbemi’s brother was 29 so it means that he was legal enough to write a Will.

Question 2: Do you earn a living?

Most adults earn a living. It may be in full time, part time, remote or self-employed. Whichever it is, as long as a person over 18 is legally earning money, it is safe to deduce that they have something worth leaving behind for loved ones. This is also another question that Gbemi’s brother fulfilled. He worked in a multinational that ensured that he earned well.

Question 3: Do you save?

As an adult that earns a living, the chances that you will keep some money aside for rainy days are high. This automatically means that you will always have something worth protecting and leaving behind for loved ones. From Gbem’s story, it is safe to assume that Gbemi’s brother saved and even invested judiciously.

Question 4: Do you have belongings?

Belongings are a part of our lives as soon as we take in our first breath. However, the worth of what we own changes as we grow. Adults tend to have belongings that are worth not leaving to chance. From cars, houses, clothes, gadgets, bank accounts to land, investments and businesses, the list is endless. As long as you have belongings that are worth money, it is safe to say that it should be protected in a Will.

Question 5: Do you have people you care about?

This is a very important question as the essence of a Will lies on it. A Will not only protects you but makes sure that you can leave what you have acquired in the possession of people that you love and trust. These people can be your spouse, siblings, parents, cousins and friends. Gbemi’s brother was smart enough to look out for his sister and his family members. His choice made sure that all that he acquired was not left to chance and the lengthy process of intestate administration.

Study these questions carefully and ponder on all of it. You can visit the iWill platform to find out more about how to write a Will without hassles. Feel free to send an email to wills@leadway.com or reach out to us on our social media platforms if you will like answers tailored to the peculiarities of your situation.

The post Five Questions That Help You Find Out If You Need A Will appeared first on LEADWAY CAPITAL.

Managing your finances is as important as your source of earning it. Some people are masters at floating in and out of money; one minute they are buoyant and the next they are hit in the head with financial vulnerability. That’s never a good way to go because that easily leads to falling face-first into debt.

If reality mirrored dreams, we would have a magic formula or robot that handles your finances, which tells you “Now is the time to spend”, “No, you don’t need a new car ” etc. But there is none, so you are saddled with the unending job of handling your finances.

Many people take no care of their money till
they come nearly to the end of it,
and others do just the same with their time.
– Johann Wolfgang von Goethe

In this article, we have provided you with five(5) steps to help you successfully manage your personal finances.

First, Ascertain Your Current Financial Situation

To successfully manage your personal finances, you need to know where you stand currently. You can not help anything without knowing what the problem is. Review your current financial situation. Take record of your regular income and expenses.

Yes, it will be overwhelming. 

You will come face to face with ridiculous buys. From why you didn’t focus on the rice at home to that item that now sits at the bottom of your closet, you will feel like turning back the hands of time. Don’t dwell on them. Celebrate the good financial choices you have made in the past and focus on moving forward. Be sure to point out current expenses that are hurting your finances.

Next, You Have To Set up Finance goals

Having a plan for your money doesn’t just help you right now, it gives you vision and hope for the end goal. After laying out your current financial situation, it’s advisable to determine whether it aligns with your priorities. Personal finance management is made much easier when you define what you would like to achieve with your money through a viable budget.

You Must Create A Budget. Stick To It.

For a number of people, budgeting their income is never a problem until it is time to follow through. This is because not everyone has the self-discipline to limit their purchase, while to some it is too restricting to plan to spend in advance. Creating a budget in personal finance helps you allocate your money in accurately needed percentages to meet your goals. When creating a financial plan, remember that your budget is the foundation on which it all stands. 

Time To Get An Emergency Fund.

In your budget, it is important always to leave out some savings as an emergency fund especially if you are not on any insurance. 

This is not to say that if you have insurance, you don’t need an emergency fund. It just means that your insurance coverage is there to save you if the emergency fund is not “buff enough.”

For those without insurance, they are as good falling off a plane without a parachute. They need it. A lot of it.

The best way to create this fund is to include it in your budget. How much you save can depend on how much extra money you have available, but it is advisable to put aside at least 10% of your income into emergency savings.

If you never want to worry about not having enough in your emergency fund, back it up by getting insurance.

Most Importantly, Pay Off All Debts.

Imagine a world where debt magically disappears. Yes, imagine, because it is definitely not this one we live in.

Paying off debt is a major step towards successfully getting it right with your personal finances. It clears the slate and helps you start afresh. 

Debt is a huge obstacle when it comes to reaching financial goals. Eliminating it should also be of major priority. Start with setting up a plan for payment. Small payments first. Look for areas in which you can cut your budget to increase the cash available for your debt payments. Once you are totally out of debt, you have to always make it a habit to always stay out of debt.

The post HERE’S HOW TO SUCCESSFULLY MANAGE YOUR PERSONAL FINANCES appeared first on LEADWAY CAPITAL.

He would have, if he knew he’d be lying in pain at a COVID Isolation centre.

The COVID-19 pandemic shook everyone to the core. As the numbers increased, people braced for the worst. For many people like Etim, the worst couldn’t have come at a wrong time. He just got a huge contract and made some recent investments. As he writhed in pain, he wondered what would be of all that he had acquired.

 “A will or testament is a legal document that
expresses a person’s wishes as to how their property is to
be distributed after their death and as to which person
is to manage the property until its final distribution.” 

A lot of people scoff at the idea of making a Will. So many bad connotations are ascribed to it. From saying it is a way of telling the universe that you are ready to die, to saying it may cause you to mysteriously lose your assets, the list is endless. While many rely on these negative assumptions, no one looks at what a Will really is; a way to be in charge forever.

Many like Etim, who were on the verge of going to the great beyond due to the virus, realised that the fear that many feel is not the fear of dying. It is the fear of losing control. Etim wondered what would happen to his car and thriving business. With every call he made home, he enquired about their states. He quickly appointed his sister to help him with affairs in his office and his brother to help him keep his car functional. Thankfully, Etim is alive and well today and still socially distancing.

But if he hadn’t gotten out alive, will the verbal appointments he made in pain on the cold thin beds of an isolation centre hold sway in the eyes of the law?

It won’t. No amount of explanation and appeal to emotions will make it count. For Etim’s decision to hold any water if the worst had happened, he needed to have written it down.

A Will is the only thing that ensures your say when you are not here. It not only helps you decide whose hands you want on your property but also helps you state who you don’t want near anything you own. Got any relatives who seem to be lurking around for what you have? Feel free to put them down in a Will as people who you won’t want near anything you own.

The Will gives you control over all you own forever. You get to decide who will be responsible for administering your affairs and who will be responsible for making sure your wishes are carried out. So you never lose out. You remain the judge and jury over all that you have acquired no matter what.

And the best part about a Will? It never changes. It doesn’t forget. You do not have to worry about not remembering if that was really what you said because guess what? You wrote it down. 

What if you change your mind about how you have distributed your possessions? You can edit the Will. The goal is to make sure that all that is contained in it are your desires.

You may wonder what happens when you skip out on making a Will. Well, inheritance disputes are one. The Nollywood movies built around an oppressed protagonist who had his late father’s properties snatched by a maniacal uncle are not far fetched. They mirror our reality. And although these movies always end on a good conquering evil note, where the suffering protagonist finally wins and the evil uncle runs mad, the reality is different.

Millions of “evil uncles” live fat on possessions they shouldn’t own while the rightful owners have nothing but an unresolved grudge. Even when these rightful owners get the Intestate laws to act, the legal rules of distribution that apply may or may not coincide with deceased wishes or not. No one wants to experience what it feels like to watch everything they ever worked and sacrificed for shared among people against your own interest.

So think of a Will also as a way to keep making your loved ones smile. Providing them with financial security and pieces of your possessions that keep you in their thoughts always is a nice way to immortalise yourself. People talk about guardian angels, let your will be one to your loved ones.

The pandemic brought to the forefront issues that matter; hygiene, quality healthcare and Wills. You may not be able to avoid mortality grip, but you can outsmart it through your Will. Think of it as a way to secure all you have worked for. Forever. 

Etim reached out to us and had a will done and he plans to live till he is 100. If you want to get a Will done to secure all that you own, visit our website and click on the iWill platform.

The post COVID-19: THE PANIC, THE PAIN, THE LESSONS appeared first on LEADWAY CAPITAL.

In this pandemic, clearly there are a lot of bothering issues and estate planning is one of them, as an estate plan covers the major issues bothering individuals.

The need for an estate plan is important for everyone as it ensures you, your loved ones and your assets are protected. Creating an estate plan is usually the least priority on the list of most busy people, but with everything going on, the need for an estate plan should be prioritized. 

You may ask, “why do I need an estate plan now?” Well, here are five purposes of an estate plan this period.

1. Health Decisions: 

With an estate plan in place, you can decide whoever you want to make decisions for you when you are incapacitated or when you are unable to do so. This involves creating a living Will or advanced directives to state your wishes as regards your health,  and your healthcare proxy is given the responsibility of ensuring your wishes are carried out.

2. For Your Loved Ones:

Writing an estate plan is important especially for age dependents. Age dependents are children below the legal age. They are children that are not mature enough to make decisions for themselves. When creating an estate plan, you can choose a suitable guardian to take care of your children in case of an eventuality. An estate plan also allows you to assign assets for your loved ones like your aged parents, your siblings, your wife and other relatives.

3. Protects Assets: 

As we assess the outcome of this economic crisis, we shouldn’t overlook its impacts on our physical assets. It’s important to protect your assets by insuring your assets as well as creating an estate plan.

4. Chance to Live on your Own Terms despite the Pandemic:  

Writing a Will ensures you assign a suitable beneficiary to your assets,  it also ensures your healthcare is secured and the future of your loved ones is also secured. This gives you the fulfilment knowing that the pandemic can’t control your future and that your loved ones.

This period has given everyone the chance to stay home with their families and bond, as we do this; it is only human that we think about the future of our loved ones after this crisis. This is where creating an estate plan comes in, to give you the peace of mind that you, your loved ones and your assets will be secured in the future.

With the ongoing laws on social distancing, it is only wise that you stay safe at home and create your estate plan online. You can write your Will with our online Will writing service iWill and save yourself the stress of having to contact an attorney as well as protect your health.

To write your Will, kindly visit www.leadwaycapitalandtrusts.com or call us on 08129997204 for more details.

The post 4 PURPOSES OF AN ESTATE PLAN DURING A PANDEMIC appeared first on LEADWAY CAPITAL.

With all these going on, it is ideal to think about your finances, your health and the future of your loved ones. Have you stopped for a moment to ask yourself, who will make decisions for you if you get the virus? We strongly hope you don’t though. However, it is only wise for you to tap into the benefits of foresight by being prepared in case of any eventuality – pandemic or not. What better way to prepare yourself than creating an Estate Plan? 

Amidst the Coronavirus scare, the best way to create an Estate Plan this period includes the following actions;

1. Keep calm: Before you can decide to create an Estate Plan, you have to have a clear mind, get rid of the fear and panic you might have.
2. Map out your assets: Analyze and decide how you want your assets to be distributed, and update your bank accounts if necessary.
3. Make a plan: Decide the beneficiaries of your assets, collate all necessary documents and review them.
4. Get a trusted online Will service company: iWILL is a trusted online Will writing service that ensures you write your Will without stress, at your own pace and convenience.

Thanks to our iWILL platform, you can now write your Will online, so you do not need to risk it by physically meeting a lawyer to write a Will, you can play it safe by writing your Will online in the comfort of your home.

Writing your Will with iWILL ensures confidentiality and satisfaction at every step of the legal process, and most importantly ensures your safety in this peculiar times. 

To write your Will, click here to get started.

The post PLANNING YOUR ESTATE DURING A PANDEMIC appeared first on LEADWAY CAPITAL.

The truth is, we can’t always anticipate or prevent unfortunate circumstances from happening, but we have the power to control what happens in cases when they occur. You might be wondering how, well, it is very simple, all you need to do is “Write the Future”, yes, you read it right, “Write”, like put pen to paper. 

Don’t worry, you don’t have to be confused, because we have the answers for you, and we will put you through to get started. 

Here are 4 steps to writing the future: 

1. List out all your Assets:

This is the first and most important step, you can’t write the future if you don’t know what you own. Imagine being the manager of a football team and you don’t know all your players? You will end up fielding only players who are in-sight and they might not necessarily be the best players in the team, no surprise then when the team loses. 

So grab a piece of paper and a pen and list out all your assets, you might not remember all at once, but eventually, with patience, you will.

2. Create a list of Beneficiaries:

Now that we know all our assets, we need to identify who our beneficiaries will be. A lot of thought needs to be put into this stage, simply because you don’t want to leave anyone out, well maybe you actually do, but that is another kettle of fish.

So, how do we go about it? Great question! Just as we listed our assets, we will also create a list of beneficiaries. First, develop a list of all the people close or related to you and then cross out the names of people who you do not want to leave anything for. The reason for this exercise ensures you think carefully about everyone before you cross a name. This way, you will definitely give it a thought if you want to give a particular person a portion of your asset as opposed to just assigning assets to people who come to mind at the time.  You could also consider organisations or causes that are dear to you e.g. orphanages, research teams etc.

3. Assign your Assets:

Now it is time to match the assets with the beneficiaries, which means you need to answer the question “who gets what?” This stage might sound simple but it actually involves more thought than it sounds. 

Have you ever gotten a gift from someone and you just keep it in the corner of your room or your store? Well, that is because the gift wasn’t what you wanted and you might not have found any use for it. The same thing applies when creating your Will. Assigning assets to your beneficiaries need to be well thought out, give your beneficiaries only the gifts that will mean something to them to ensure they appreciate it and not waste it.

4. Create a Will:

This is the part you think might involve so much work right? Actually, No, this is the simplest of the process, with a solution like iWill, you can do this in 15 minutes or less. Now that you know your assets and have a list of your beneficiaries, all you just need to do is sign up, fill in the necessary fields and leave the rest to the professionals at Leadway Capital and Trusts to help you sort out the rest. Did I mention, you can do this from the comfort of your home with your smartphone or computer? Well yes, you can, so now what’s your excuse?

Now that you know the 4 easy steps to writing the future, I urge you to take immediate action simply because the future is never assured. This month, we started a conversation online to discuss the stories of people who have benefitted from a Will or struggled because someone didn’t, and thousands of individuals like you and I shared their stories. Follow and join the conversation on Twitter using #WriteTheFuture9ja and let your voice be heard, your story might inspire others and ensure we all live in a future where everyone feels protected. 

If you need help writing you Will, feel free to call or message us on WhatsApp on 08129997204 and we will be happy to help out.

The post 4 STEPS TO WRITING THE FUTURE appeared first on LEADWAY CAPITAL.

If you are still not convinced about using a Will as an empowerment tool, why not think about it this way, the impact of the gifts you distribute amongst your beneficiaries contribute a good portion of what they remember you by. This is why you are always advised to give each beneficiary what will make a meaningful impact on their lives as opposed to just giving them lots of money or random portions of your estate. 

This now begs the question, do you want to empower only the lives of your family members when you are no more? I am sure some people reading this don’t actually mind that, however, you need to realise that you can impact the lives of others and empower your family members all together with your Will. So now that you are curious about who else you can impact, here are 3 other groups of people you should consider including in your WIll: 

1. Friends:

As human beings, we always require companionship, that’s why we always have friends. Not everyone has a lot of friends, but we all can agree we have at least 1 friend. After so many years of memories together, we shouldn’t just pass on without leaving a gift for them. It doesn’t have to be money or something extraordinarily expensive, instead, it should be something that means a lot to you both. You can even go as far as leaving something for your friend’s child(ren) in the event your friend is no more and you want his/her children to be also well cared for, in your absence. Whatever the case may be, ensure you leave something for them so they know you had them in mind even in your last days.  

2. Employees:

We have seen big companies disappear shortly after the passing away of its owner. This is sometimes a result of the owner leaving his/her stakes in the companies to only his/her children or family members to enable them as successors. This is totally fine, but you should also consider your employees. If your business has employees that are loyal and committed, it will be great if you left some stake in the company, behind for them. This will ensure that those employees remain committed to the company, offer their selflessness and ensure your core values and business goals are still maintained even in your absence. By doing this, your business will most likely be around for much longer.

3. Charities:

Everyone has one cause that they are passionate about, it could be helping children born with disabilities, fighting diseases, providing clean water distribution system, empowering young adults etc. Regardless of what you are passionate about, ensure you make provision in your Will to help organisations and individuals who are committed to helping such causes. The impact you will make with this single gesture is immeasurable because you are going to impact the lives of so many people with potentials to make the world a better place and also encourage them to cultivate the act of giving when they grow into the position to give also.

Regardless of the inheritance plan you have for your estate when you are no more, always remember that it can only happen with a proper estate plan in place; and when there is none those wishes will only end up as mere wishes and will most likely not materialise into what you had hoped for. A very popular and easy to make estate planning tool is a Will.

Don’t leave the earth without empowering anyone, If you are yet to write your Will, why not write one today? It only takes less than 15 minutes, visit http://wills.leadwaycapital.com/ to get started. If you need help or consultation, feel free to call us on 01-2801420, 08095683875. or

send us a message via WhatsApp on 08129997204 and you can send an email to wills@leadwaycapital.com or info@leadwaycapital.com

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So does this mean you shouldn’t discuss writing a Will with your partner? Absolutely not, in fact, it is advisable that you do, simply because of the damage that may arise from not writing one in the event that the unexpected happens. So, if you want to have the discussion with your partner without it becoming awkward or suspicious, how do you go about it? Well, below are five easy steps to doing so:

1. Find/Create the Right Opportunity:

This is the first and most important step. If you have a partner that might be uncomfortable with this sort of discussion, it is best for you to find or create the right opportunity.  Start by creating a conversation based on something you saw online, in a movie or in a newspaper that is talking about estate planning and the challenges people face when they don’t have one or even severe cases like our make-believe video. That way, the conversation will be more relatable as opposed to just saying “Babe, you need to write your Will now“. Also, Ensure you have his/her full attention when you want to have the conversation. Don’t try to have the conversation in a public place that might have noise, distractions and lots of people around, we suggest having this conversation at home or in a private place. 

2. Be Prepared:

While you might not have all the answers, it is however important that you carry out proper research about Will writing simply because your partner will have questions and you should be able to respond to some of his/her questions. If you aren’t able to provide adequate answers, it will be easy for him/her to dismiss the conversation. For the questions that you might not have answers to, you can always get back to him/her on it.

3. State Your Motive:

This is very important and will most likely prevent your partner from suspecting you want to kill them (Like seriously). Be honest about why you want them to write their Will because it sometimes vary, for example: “I don’t want to be kicked out of the house in the event that you are no more” or “I want to make sure that finance will not be a problem for the children and I, in the event that you are no more”, “I and your children wouldn’t want to go through a long and difficult process in the court to claim your properties and pension funds in the event that you are no more” or even “I want us to be able to appoint a guardian for our minor children in the event that we are no more”. Whatever the reason is, it is better you express your concerns openly, to ensure trust remains between you and your partner.

4. Mention Those Who Might be Affected:

In most cases, there are usually many Beneficiaries from a Will, so you should help your partner see the importance of writing a Will by letting him/her know all the people that might be affected if (s)he doesn’t write one. Feel free to mention yourself, his/her children, his siblings, nephews & nieces, friends and even employees if he owns a business. That way (s)he realises that a lot of people might lose a lot if he doesn’t take the necessary action.

5. Share Contacts of Professionals

It is not unusual for your partner to have more questions that you might not be able to answer or (s)he might need some further consultation about writing a Will, so, feel free to share the contact of a trustworthy estate planning company like Leadway Capital and Trusts. If your partner needs someone to talk to, (s)he can call/chat with us on WhatsApp on 08129997204 or send us an email to wills@leadwaycapital.com  and we will be happy to help.

The truth is writing a Will is very essential and should be done immediately, however, it is important that you don’t seem too pushy and make your partner feel too pressured and then start to suspect you may have an ulterior motive. Ensure you give him/her some space to make more enquires and discuss with a professional. If your partner is always very busy and might not have a lot of time to write a Will, you are in luck, feel free to introduce him/her to iWill, with iWill, (s)he can write his/her Will in 15 minutes or less, visit https://wills.leadwaycapital.com/ to get started today. 

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A new year isn’t always necessarily a fresh start, however, it is usually a new period to have a new perspective by re-evaluating what was done before and making appropriate plans to do better. Even though this can be done at any time of the year, for most, the New Year seems to be the most convenient time. 

Due to the nature of the season, we often make a lot of impulse decisions that usually come back to hurt us in January. Therefore, to finish the year strong and start the New Year stronger, here are 5 things you should do this December:

1. Write Down Your Goals:

It is not enough to know what you want to achieve in the New Year, you must also document it as a source of reference for whenever you need it. This will ensure you remain focused on what you need to achieve all through the year. After writing them down, break the large goals into smaller attainable goals and tasks. By doing this, you will not feel overwhelmed by the magnitude of the goal and you will find it easier to attain when they have been broken down. Also, make sure you assign a timeline to each goal you set to ensure it is properly measured, attainable and doesn’t conflict with other timelines.

2. Eat Healthily:

The Christmas period means plenty of food and we all love food , well at least I know I do. However, we have to ensure that we act responsibly when eating this festive period, don’t consume too much simply because there is a lot of food available. Ensure you always cook the healthiest food options that you and others can enjoy. Don’t consume too much alcohol in the process, also remember, December is the end of the year, not life, therefore drink responsibly if you have to drink. Also, don’t drink and drive, it never ends well.

3. Forgive:

All through the year, a number of people might have offended you, while some offences might seem unforgivable, it is always better to forgive for the sake of your sanity, as there is no point carrying a grudge into the next year. Things do not necessarily have to return back to how they were before, but the least you can do is let them know you forgive them. Enter the New Year with a fresh start, without having anything at the back of your mind regarding someone’s misdeed towards you.

4. Create a budget:

January is usually the month when most people get broke, simply because we spend a lot of money in December and then get a lot of outstanding bills like rent and school fees in January. So, why not create a budget now. Let your budget include all your guaranteed inflow like Salaries and expected Expenses like rent, feeding etc. and lastly provision for savings. There are only a few things worse than getting broke at the beginning of the year, so make sure you avoid that.

5. Write/Update your Will::

This is easily the easiest and most essential thing everyone needs to do before the year runs out. Make sure you take time these last few weeks to account for all your assets and ensure they are all protected as you enter into the New Year. Starting the New Year confident that your family is secure and your assets are well protected might be one of the best feelings anyone can have. The great thing is you can write your Will in 15 Minutes or Less, which means you can write your will quickly and still have all the time to have as much fun as you want this festive period.

Remember, a great start of the year is usually what sets the tempo for the remainder of the year, ensure you make all the necessary preparations to start strong and avoid panicking in the middle of the year. Also, don’t leave anything to chance, as you set goals to achieve new milestones like a new house, car etc., make sure you have a Will to protect them. To write your Will in 15 Minutes or Less, visit https://wills.leadwaycapital.com/iwill. 

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