December is well and truly here, but don't stress. As we come to the end of the year it is a good time to reflect. How has the year been for you? What have you enjoyed in the year? What could you do different next year? Start thinking about some goals for next year. What would you like to achieve in 2015? Christmas is nearly here and it tends to bring a lot of stress to many people. There are many situations that can be stressful, but really it can come down to perception. Keeping up with the Jones is not a great idea around Christmas. Christmas and the festive holidays are really about enjoying family and friends company and enjoying good times with them. That can't be measured by money or the size of a present. A well thought out present doesn't need to cost the earth, and the thought really does count. Christmas isn't a time to put yourself in debt that will carry over to the next year. All that will do is cause you worry and it becomes short lived h
Kim McNamara Building On-line businesses