With the start of the New Year, are you making some resolutions about your finances? Here are a few tips that might help you reach some goals for 2023:

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In 1845, a British expedition commanded by Sir John Franklin boldly set out in search of the Northwest Passage, a fabled sea route around the top of North America. The expedition was plagued by logistical problems from the very start.

The crew had little experience with the arctic. Other than Franklin, few among the officers were arctic veterans. Disregarding the advice of the native Inuit, crewmen were outfitted in uniforms far better suited to winters in Southern England. 

In May, the expedition set sail from England never to return. Studies over the years have concluded that hypothermia, starvation and lead poisoning, along with inadequate clothing and supplies, lead to its demise.

While few of us have our hearts set on being arctic explorers, the fate of the Franklin Expedition serves of a poignant example of the importance of proper planning. It has been said that if you don’t know how to get there, it doesn’t matter what road you take.

Gratitude is an amazingly powerful attitude with payoffs in health, business, and relationships. Years ago, my nephew gave me a gratitude jar which sits in a place of pride in my kitchen for its reminder and random use. More recently I discovered some lovely slim journals from The HappyMe Journal that charmingly prompt children and adults for the steps toward feelings and habits of gratitude and happiness.

This week we will celebrate Thanksgiving Day in the U.S. gratefully eating our fill of turkey and the traditional fixings and sharing it with family and friends. We hope you enjoy a lovely holiday too!

Thanksgiving is the most widely celebrated holiday in the United States. For many families, this is the only time during the year that they are together, and they have many ways to celebrate their togetherness - mainly the annual feast. 

As the story goes, the first Thanksgiving was all about the pilgrims being thankful for the food that had been provided to them by the local Wampanoag tribe, and even today, when we think of counting our blessings, food should be included.

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If you are (or were) a fan of The Sound of Music, you might remember the lyrics: “Let's start at the very beginning. A very good place to start.”

The same applies in your business.

Too many business owners make the mistake of developing their product or marketing strategy before doing the first critical step…

If you just feel like there never seems to be enough money to do anything extra, it could be time to take a look at how you're handling your finances.  

Sometimes even small changes can make a big difference.

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"Maybe Christmas," he thought, "doesn't come from a store. Maybe Christmas ...perhaps ... means a little bit more!"

~ Dr. Seuss (from How the Grinch Stole Christmas)

The holidays are bright and beautiful. There’s nothing quite like going out on a chilly night to see the lights glistening against a backdrop of new fallen snow. You have tinsel sparkling and carolers singing. You might catch the aforementioned Dr. Seuss Christmas special on TV or maybe go old school with the classic It’s a Wonderful Life. There’s the anticipation of the big day, and of course, there’s the wonderful smorgasbord of holiday goodies to munch on, made even more special by the fact that you only get to enjoy them for a short time.

Your goal during the holidays should be to enjoy yourself and your loved ones, but that's practically impossible to do if you're feeling too much stress. Here are some things you can do to prevent that anxiety from spoiling your good times:

1. Pay attention to your health.
Too many projects and activities can stress anyone out, but don't let them keep you from taking care of yourself. Make sure you're getting plenty of sleep, eating properly, and exercising. Combat winter's dry air by taking steamy showers. Dress warmly and appropriately during cold weather. There's nothing like getting sick to take all the fun out of the holiday season.

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My granddaughter and I love to read a wonderfully illustrated children’s book (more on the book later) about a little boy whose grandfather once sewed him a special blanket. Over time, the beloved blanket grew worn and well-used. The disappointed little boy went to his talented grandfather who cut the blanket down and made the child a new coat.

Time went by and the coat became worn so the little boy took it to his grandfather who cut it down into… well, you get the drift. Eventually the grandfather only had enough cloth left to make a button for the boy.

Does the thought of holiday shopping leave you with that not-so-merry feeling? Here are some tips that can help save you time, money, and stress this holiday season:

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