Are you planning or dreaming this New Year?

Happy New Year and Welcome 2020! If you are among the many of us that made resolutions this New Year, how are you feeling about them now, a few days into 2020? What are your resolutions and why are they important to you? Too many people declare that they are going to lose weight or get out of debt, yet forget to think about the plan they need to carry out these resolutions. A goal without a plan, is just a dream – now, I wish I came up with that! It is very true. Another cliche is if you fail to [...]