I think we can all agree that it has been an unpredictable year 2020. We have reached the end and now we are making choices. What choices will you make for 2021? Is there anything you have learned from 2020 that will affect your next year?
I see clients who without the ability to travel and enjoy outside entertainment, have been able to pay down credit card debt and be more financially stable than they were a year ago. Will their behaviors revert back to excessive spending once we are all vaccinated and entertainment reopens? Or have we learned valuable lessons this year?
I am going to do my best to make changes and stay committed to what matters, family, time good health but I also recognize that we have short memories for pain and we all risk going back to our old ways.
What will you do differently in 2021?