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b'At this time of the year, many of us will be thinking about our habits and how they\\u2019ve popped up in our lives. For most of us, we can\\u2019t even see our habits or know why we\\u2019ve built them. Perhaps this year, think about who you want to become. Then you need to build your habits around that.

Hey thanks for listening! Please take some form of action from this content, don\\u2019t just be a consumer, become a producer! Make sure you\\u2019re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let\\u2019s get on with it. Find us here: @keepthechange_nz https://www.keepthechange.co.nz/

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