PK

• To focus on your goals it can be a good idea to print out a picture of the things you are aiming for (eg house) or that are important (eg kids) and either glue this onto your credit card or print it as a sticker and stick it on. That way every time you take out your card you’ll see the thing that you really want. If you still want to use the card you’ll have to peel this off! I saw this used very effectively on a BBC programme called ‘Spendaholics’.