Every new year presents us with many opportunities to restart some things in ourselves; to pursue new goals for the year or to accomplish whatever we started in the previous year. Hence, this year presents an opportunity to improve ourselves financially with some of these tips. Get to know the new pricing of ALL your Service Providers Every new year presents an opportunity for many institutions to review their pricing and Financial Service Institutions are no different. Hence, it is advisable to get to know the new pricing of all your service providers such as Utility Companies, Banks, Insurance and other Financial Service Institutions and this should be extended to all subscription services that you may be signed on to. This will allow you and/or family to evaluate the service value being derived, plan, budget and determine how to apply your often-limited resources (salary, commissions, etc.) efficiently and effectively.   Written by: Bernard Adu-Gyamfi @benoadugyamfi Bernard Adu-Gyamfi (M.CFIA) is an Enterprise Banker as well as an Energy Finance and Risk Analyst with over 10 years’ experience in Banking. He is also a member of the Chartered Institute of Financial and Investment Analysts, Ghana (CIFIAG). Source: Glitz Africa Magazine Issue 18