Last year, I gave out a free financial pack to readers, challenging you guys to kickstart your financial journey and make 2016 the year you got your finances in order.

Over hundreds of you emailed me asking for the list of resolutions, with some of you mentioning that you wanted to print and put it in your wallet as a daily reminder.

I’m looking at this list again now and I still find this a great list for anyone looking to clean up their personal finance and start off on a fresh start.

As we already know, saving money is the first step towards becoming financially free. I then added in the concept of building up an emergency fund, with $10k as the proposed figure, so that you’ll always have a few months of financial buffer no matter what life throws your way. And to make sure you’re shielded for …