The heavy weight of debt and not enough money is a major reality for a lot of
people, hard to face up to and is a major area of our life that we need to be in control of if we are ever going to get ahead.
New Year is the time for resolutions which we make and then quickly break. This year to start your active participation in turning things around the focus is
re (about) solutions.
Fixate on a dream that you want to turn into a reality. Think big - your passions, what brings you joy. This is your goal - your end result - your reward - something to strive towards.
This will give you the motivation and desire to break those bad habits and
change them to good ones. You need to work backwards to move forward. By working backwards from your goals you will come up with ideas, strategies and solutions and be more willing to give up or change things so you do get what you want.