Whenever we enter a New Year there are always discussions about a new or changed way of living, resolutions are made and more often than not broken, diets, smoking, drinking, exercise all become brief hot topics as we choose to cease or increase any one of these hollow intents. Then gradually we settle down, we start writing and referring to the correct year, we stop having to say happy New Year (in my opinion it should be illegal to say “Happy New Year” after the 10th January!).
Life returns to normal and we find that we are pretty much the same people living the same life as we lived in the previous month, back in that other country now known as “last year”. This year, however, I have made one financial services commitment that will not change and by making it now and backing it up with the required funding, I know it will be a reality, it’s not exactly a “hot” or “sexy” topic, but it is crucial!