This is part 2 of 6 of my year in review for 2021. The area of focus here will be finance. 
Part 1 on a review of my career can be found here. 
2021 was a year where I was clearer on what I want to do with my money, and have more intentional planning. 

My partner and I did a look at our insurances and net worth to ensure we left sufficient  money for our kids if any happened to us. This was by combining our life insurances and non- property assets, and assuming they are cared for till the youngest is 25 years old. We are in good shape according to the study.Read here for more. 
With even lower cheap interest rates now, we repriced our mortgage for our existing flat. This dropped our monthly mortgage by a few hundreds a month with little effort....