This time of year seems to really push people a bit doesn't it. Are you finding yourself, or others, a little more touchy, tired or stressed out than usual? Not so much of the Christmas spirit going on yet. Deadlines to meet, people to see, functions to attend, shopping to do, budgets are stretched! There is just so much going on that the last thing we think of is how prepared we are for the new year. There's not much room for laziness or excuses to achieve a clear plan for your life moving forward. Effort and sacrifice are part of the deal. There is a great saying: there can be no celebration without preparation! Or another great saying that we love is: luck is when preparation mee
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