Happy New Year!

As the year ends, I find myself looking back at 2008 and taking account of everything that had happened. There are times when we may find ourselves facing certain upturns and downturns in our lives but that's what makes it memorable.

At the start of the New Year, it's quite the norm to make resolutions and I hope 2009 will be a better year - financially, mentally and physically. I remember vividly over some resolutions I made last year but unfortunately, I haven't been able to fulfill them. More often, my resolutions will either be broken, forgotten, or easily ignored. :D Perhaps I'll simply continue from where I left off. As everyone is also keeping an eye on the economy, the best way is to buy only the essentials, spend wisely and try to resist indulging in an expensive lifestyle. I understand that it's easier said than done for some people. If credit cards are in hand, would you care about temptations or affordability? Whatever it is, let's put our worries aside and be happy celebrating life towards the New Year.

Above all, may 2009 bring prosperity, peace, fun and a better sense in money management for all of us. To those people who are getting ready to rock and roll at countdown parties tonight, be good, be safe and take care throughout the joyous celebrations.

HAPPY NEW YEAR!