Whereas December is all about family, celebrating, and resolutions, I find January a time for analysis and reflection on the previous year. Even the most disciplined of us find ourselves slipping during the holidays. Whether it’s in our diet, our fitness regime or our spending, it seems the entire world around us gives us a free pass in December.
In January we get that cold dose of reality. It might be an extra few pounds on the scale, feeling out of breath after walking up the stairs or a credit card bill that you’re sure belongs to someone with 18 children.
So let’s do a bit of reflecting about your financial situation and do everything we can do to minimize this kind of shock in January 2014. [Read more...]