2025/05/22 Putting a strategy in place to consolidate or support your financial position neednt involve being so strict with yourself that you deprive yourself of some well-deserved treats. This isnt being irresponsible because you can enjoy creature comforts that wont break the bank or result in nasty letters from a bank manager. Its the future more than the present that needs attention and a tiny but consistent effort to make your future more secure will bring results surprisingly quickly.