The holidays and fun have left many South Africans facing the New Year with financial hangovers, a long January, and the reality that their money problems could last well into 2022. But taking ten steps to get personal finances back in shape could make things look a lot better. The art of making financial resolutions that work lies in moving as quickly as possible and taking the steps needed to build a sustainable financial future. The steps needed to improve your financial health are: 1. Knowing what you owe Taking action to get financially fit cannot begin until you understand … Continued