We are about to be blasted with endless advertisements that will seek to help you stop smoking and lose weight as it is the time of year for resolutions to be made. It is easy to be cynical about this and their chances of sticking, but it is also easy to see that these resolutions come from a good place and are from people who want to make genuine changes in their lives.

The key to making them work is taking action and doing it quickly. The longer that you put something off, the easier it is to keep putting it off.

Recently, I have talked in this space about how it is more difficult to make financial moves that affect your tax picture as the calendar year winds down. It is really easy to make those plans once the calendar turns, though, and they can feel less dramatic with greater results because they have more time to play out.

But again, you must take action.

I don’t want to spend a lot of time going over any specific plans this week – we will have enough time to do that in the new year, and I know most people are still mentally checked out until all the holidays have passed. But let this be the seed of an idea that can grow.

So think - what is one thing that you would like to change in your financial picture to make 2019 feel better than 2018? It could be as simple and front-of-mind as putting away enough money to make gift buying next holiday season stress-free.  It could be as huge and potentially complicated as increasing your business’s profitability.

Either way, here is to you staying committed to making it happen. But remember you must take action, so make an appointment with us now to start keeping yourself accountable and starting the path to success as soon as possible.

Happy New Year!