Let’s talk about the New Year. The truth is, if you haven’t started planning for it already, you are behind. I know, I know – the thought in itself is very daunting and outright scary but it’s ok to start today. Making a list is always a great place to start. It seems so simple but a list can take you far. You don’t have to wait until the New Year to start planning. Most likely you know now what things need to change or hurdles you need to overcome. So, let’s start NOW!