I’m sure we are all wrapping up 2009 and getting ready for 2010. The first thing on our mind is probably trying to figure out what our New Year resolution would be; and second, we  are probably preparing for our tax return.

To me the New Year is a fresh start. Do I have to wait until January 1, 2010 to begin my resolution? NO. Do it NOW!!

To survive 2010, my suggestions are:

1. Don’t spend more than you make.

2. Put 20% of your earnings into saving or investments.

3. Strap on those running shoes and at least walk around the block if you are not the exercise type.

4. Smile. Smile at yourself in the mirror in the morning, and smile at a stranger. (In a non-creepy way)

5. Say one nice compliment to someone.

6. Give yourself a pat on the back for for trying to be your best.

7. Learn one survival skill.

8. Pay off your debt, one day at a time.

9. Try something new.

10. Do it NOW, even if it’s a small step.

Life is simple. Do your best, do it now.