Ditch those New Year's Resolutions
New Year's resolutions are all very well for the crowd, the guys who make and break them every year and retire with nothing more than a tiny pension and no hope of financial freedom.
I don't know if you are different, or even if you want to be different. Do you want more out of life that the same old, same old?
Why not set yourself a goal on what you want to be different this time next year. Then set a plan and go and do it.
This time next you will feel a whole lot better than reviewing a load of broken promises.