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“So little one, what do you want to be when you grow up?” It’s one of the first questions that many of us faced as youngsters, more often than not from a distant relative we couldn’t have recognised in a police line-up.

No one wants to budget. It’s scary, it takes a long time, it would deprive me from…

Whether it’s finances or fitness, spending time on setting your goals can reap rewards.

I’m a stickler for being organised, for planning ahead, for sytemising and organising. If I sound proud of this, it’s because I am.

For those in people in my life who have to put up with this constant need of mine to pigeon-hole and plan, it’s a source of constant annoyance I’m sure. However, I know I cannot function without this level of order.

Are you the type of person who always has to have the latest clothes, smart technology or gym gear?

If you answered yes to this question, you could be a person who likes instant gratification, that is, you like to indulge in instant reward now, rather than exercising self-controli, in return for a potentially greater reward in the future.