All those are good tips! I usually start my year with a journal too but it's all scribbles and usually I get into routine until I am traveling then it's another story. Also, piggy bank is a good thing but since you're also on hive, HBD savings can work too and you can get monthly interest from it as well :)
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Journals are really reliable, isn't? Also, HBD savings surely is the safest piggy bank. Thank you for dropping by @macchiata.💕
Indeed! and yes, HBD can be a safest piggy bank and you'd get bonus too :D have a great day!