Happy New Year! This episode suggests some approaches to setting your financial goals in 2020. Do you want to save for a deposit? Increase your credit score? Or maybe you're looking to invest for the first time? Ayo breaks down the different types of financial goals you can set and the different aspects of your finances you can look to improve. Make sure to follow us on https://twitter.com/ay00lu &  https://twitter.com/room113official https://instagram.com/ay00lu & https://instagram.com/room113official