Photo: The Canadian Press Saijal Patel, founder and CEO of Saij Elle. With the turn of the calendar signalling a fresh start, it’s the perfect time of year to take stock of your finances, update your goals and leave bad money habits behind. In doing a financial refresh for the new year, the first order of business, according to Saijal Patel, founder and CEO of financial wellness firm Saij Elle, is to identify what worked well for you over the past 12 months. “You can’t change what you’re not really aware of. So go through that process of what worked, what you’re proud of and the areas where you believe there is an opportunity to…
