The end is just the beginning. Happy New Year!

happy_end_of_old_year__2013The end.

New Year’s Eve marks the end of the year.  What does that mean for you?

The answer is different for everyone depending on the lens you are looking through at the time.  A lot has happened over the last 365 days.  For some, there may have been tragedy that made the year difficult.



  • Loss of a loved one.
  • Career change or job loss.
  • Financial disaster

You may or may not have had control that would have changed the outcome.  There is nothing you can do about that now.  What you do have control over is how you choose to react.  Just remember, you made it through and you’re here to go forward.  Celebrate that!

Alternatively, you may be ending what seems to be the most wonderful year of your life.

  • Started your first full time job in your chosen career.
  • Got a new pet or started a new family.
  • Had the most amazing experience visiting a new place.

Whether the year was good or bad may well depend on how you choose to look at it.  It’s like reading a chapter of a book.  If you learned from it, there was a benefit.  If you didn’t learn anything, you just wasted time you’ll never get back, never mind the money you wasted in the process.


happy-new-year-2014The Beginning!

New Year’s Eve brings hope for new beginnings.

This is the time of year you can make bold changes and people will celebrate those changes with you.  (Ok, maybe the crabs won’t!)  Most are reviewing the past year with every intention of making change so there is no surprise when you do the same.




What are  your plans for this year?

  • Education?
  • Career Change?
  • Creating a financial plan?
  • Creating a master to-do list?

2013 is ending and 2014 brings the opportunity to start something new.  Are you up to the task?


Year in review.

One year is like a snapshot of life.  It will start and it will end.  There is no stopping time.  Make every moment count.  You can lose and make money over and over again but you can’t buy more time.

I hope you enjoyed the great moments in 2013.  Whatever challenges you faced, I hope you find the strength to learn from them and move forward with a mind open to the opportunities that the new year brings.  Happy New Year!


Make it a great day,


P.S.  What am I thankful for today?  I’m thankful for every breath I take.  I’m thankful for the time I had with my son.  I’m thankful for the opportunity a new year brings.

What are you thankful for today?