SINGAPORE (Dec 28): Record job cuts, online trading scams, and mounting fears among working age Singaporeans of not being able to fund a comfortable retirement. These represent just the tip of the iceberg for Singapore’s economy this year, and the general consensus is that 2017 will not be any better.

While physical fitness and health goals top the New Year resolution lists of many, getting into (and staying in) good financial shape is a whole different ball game altogether.

Even some of the most seasoned investors may have overlooked the importance of cultivating these five basic financial habits from the get-go:

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