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Malik Helal has worked in the food industry for many years. In 2019, they became the Manager Director at RE Cucina. Prior to this, they were the Owner and Managing Director of Reef N' Beef in Copenhagen from 1991 to 2015. During their time at Reef N' Beef, they introduced guests to the concept of Australian fine dining and the restaurant moved to a bigger location. From 2015 to 2019, they were the Partner and COO at Cibo App.

The new year is here and it’s time to start thinking about what you’re going to do differently in 2020. It’s a great time to look at your finances and see what changes you can make to make sure you’re on track for financial success. Here are some tips to help you get started:

1. Set Financial Goals:

The first step to achieving financial success is to set financial goals. Think about what you want to accomplish this year and create a plan to get there. Whether it’s saving for retirement, paying off debt, or investing in the stock market, having a plan will help you stay on track and make sure you’re making progress.

2. Track Your Spending:

It’s important to know where your money is going each month. Tracking your spending can help you identify areas where you’re overspending and make adjustments to stay within your budget.

3. Create a Budget:

Creating a budget is one of the most important steps to achieving financial success. A budget will help you stay on track and make sure you’re not overspending. Start by tracking your expenses and then create a budget that works for you.

4. Save for Emergencies:

It’s important to have an emergency fund in case something unexpected happens. Aim to save at least 3-6 months of living expenses in case of an emergency. This will help ensure that you’re prepared for anything that comes your way.

5. Invest for the Future:

Investing is a great way to grow your money over time. Whether it’s investing in the stock market, real estate, or other investments, it’s important to start investing for the future.

6. Pay Off Debt:

If you have any outstanding debt, make it a priority to pay it off as soon as possible. Paying off debt can help free up money for other financial goals and help you reach your financial goals faster.

7. Automate Your Savings:

One of the best ways to save money is to automate your savings. Set up automatic transfers from your checking account to your savings account each month so you don’t have to think about it. This will help you reach your savings goals faster.

8. Review Your Insurance Policies:

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