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Time flies and it's time to welcome 2015.The beginning of a new year is a good time to set your financial goals and take actions to achieve those goals. The six points below could help you make your money work best for you and your loved ones:

1. Planning ahead

What are your short or long-term financial goals in 2015? Proper planning helps you take up the challenges with confidence and better control.

2. Family budgeting

Do you want to ensure your family's long-term financial well-being? Work on a household budget to avoid unnecessary expenditure and live within your means.

3. Financial protection against life shocks

Life can be full of unexpected events, whether happy or sad. Ensure your assets are protected and set up an emergency fund for the future, to give you peace of mind.

4. Managing your debt

Debt can be a growing problem if it is not managed properly. Always make payments on time and avoid over-borrowing. Pay off high interest debts first.

5. Saving and investing

If you save or invest in something that pays interest regularly, the compounding effect will boost your savings over time. Start saving early, save regularly and invest wisely.

6. Informed decisions about financial products

Before making any financial decisions, make sure that you know clearly the nature and downside risks of the financial products or services. Be aware of your responsibilities too and think twice before you invest.

Check out the calendar card and start planning now!