The start of a new year is often a trigger to re-evaluate life in general, to set new goals, and to think about what needs to be done differently. Throughout the year there can be other triggers such as the end of a relationship, the birth of a child, or a financial catastrophe which demand that things be done differently. Whether the trigger is good or bad, a thorough re-evaluation can bring about positive life changes. Inevitably, changing your life has financial implications. As far as possible, it is important to rise above financial constraints, and to think creatively about how you might find the resources to live the life you want.

If you are feeling stuck in the same old patterns, or in a dire situation with seemingly no way out, fundamental change may be required to get onto a different path. Make a fresh start by asking yourself some   questions which challenge your current status.

• What opportunities do you have to create more income by changing your job, retraining, setting up a business or simply asking for a pay rise?
• Can you use your assets in a different way, for example by buying a cheaper house, taking in a boarder, or selling unnecessary possessions to provide a lump sum or income?
• Can you collaborate with other people to achieve your goals, for example by setting up a business or purchasing an investment property?
• Can you use time or money resources of others (friends, family or your bank) to help set you on a different path?

You are more likely to succeed if you have a clear vision of how you want your life to be and make lots of small steps towards your goals rather than trying to get there with a bang.