New year�s resolutions

We always promise ourselves that “this year is going to so much better than last year”.   Mentally we start to prepare our goals and our dreams for this year. We quickly get swept back up into our busy lives and we forget to focus on what we want for 2015.  

Goal planning at this time of the year is made even more difficult as we reel from the consequences of our Christmas over-expenditure. We suffer from buyer fatigue as we look at our bank balances, wondering where we went so wrong and how we are going to survive until the end of January.