The key to a better 2013.

You choose the kind of year you're going to have.

Decisions can change the course of our lives.  And, sometimes, they’re difficult and we need courage, stamina and wisdom to go through with what we know to be right.

As I look back on 2012, I’m pleased I’ve made some good decisions.  In my life, it has been rare I could say that.

Financially, I chose to change jobs to one that pays more, even though it isn’t my desired career.  I knew I needed more money coming in, and now the future looks brighter as a result.  I won’t see the dividends of this choice for some time, while I pay off my overdraft etc., but it was the right choice.

The new job was also the right choice for my mental and emotional well-being.  Changing jobs is always difficult: it’s frightening and stressful.  But I knew, if I stayed in my previous role, I’d be on the road to stress-related Depression again.  So I made the tough choice: I took the new job, ignoring the voice telling me: ‘Better the devil you know.’

That voice is often wrong.

It’s tempting to take the easy route, especially when the better choice can take years to pay off.  We might stick in the job we don’t like because it’s safe and we know it inside-out.  Or we might spend on credit so we can have what we want, rather than look to save for the life we hope to have in ten years.

It's up to you if you want to be
in the 'driving seat' of
your next year.

As 2013 begins, I’m looking to keep making good decisions.  For example, first off, I’m selling my car: I don’t use it much and it’s an expensive luxury to have ‘just in case’.

For this coming year, think about where you want to be and what you want to be doing by 2014.  Then start making the choices now that will move you closer to those goals.

And, when faced with difficult decisions, don’t be put off making the right choice.  It’s the way to a better life in the long run.

A very happy new year to you all and all the best for 2013.