Look To the Western Sky

A blog about single life as a parent & the dreams of a writer by Margo L. Dill

Category: Practical Moms Unite (page 1 of 6)

Raising Toddlers: 3 Tricks for Home-Based Parents

Guest Post by Cady Calhousie

The toddler years are a time of rapid development as the little ones reach so many milestones in a short span of time. It’s no wonder there’s a growing trend of parents opting to work from home more or permanently to make sure they witness and participate in these milestones.

But making that leap from cubicle to home office comes with unique challenges; and while you have a vague idea that the transition won’t be perfect, nothing can quite prepare you for what lies ahead. Here are three basic and practical ways to help you in this journey:

Have a discipline strategy

Children begin to develop their own personality at this stage; they start to have a sense of autonomy, and they become incredibly attached to the word no – with matching tantrums like ripping off their favorite baby bows and throwing them away. They start to push back and challenge boundaries. In finding your own approach to discipline, the best standard is to be firm but fair. What worked for you may not work for your child because you have different personalities and belong to different generations. Prepare to go through a lot of trial and error until you find the right balance.

Establish a shared reading habit

75% of brain development occurs in ages one to three. At this stage, the child begins to develop thoughts and feelings, and as parents we want to maximize our children’s potential. Studies show that a child’s physical brain progress is enhanced when the child is given the appropriate external stimulation – and the best stimulation comes from reading.  Studies also show that shared reading is better than passive reading because you engage the child. Another benefit of shared reading is the additional cuddle time strengthens your parent and child bond. So set aside time each day to share a book and make sure there are no distractions like television, tablets, and other similar gadgets.

Don’t be overprotective

As parents, we are naturally protective of our children. The younger the child, the more protective we are.  But countless studies show that being overprotective can be as harmful as being negligent. Some parents these days are reluctant to let their children outside and play because they are worried about accidents, children getting dirty, or being bullied by other children. Here are some of the more common consequences of being overprotective: obesity, addiction to gadgets and computer games, asthma and allergies, and lack of social skills. Our toddlers need to interact with their environment and other children as part of their healthy development. We can lessen our worries by being vigilant and prepared, learning first aid, supervising scheduled play times, and picking child-safe environments.

The toddler years are exciting and full of surprises, making them worth transitioning to work from home for the parents. The fact that there’s no single correct way to raise our children makes the journey a time of rapid growth for both toddlers and their parents.  


Ready to Be More Organic? It’s More than Just Eating Organic Food

(contributed post)

We all know that eating organic food is much better for our health and the state of the environment. But is that where organic living has to end? You’ll be pleased to hear that there is actually a lot more that can be done in your life, so that you can live a wholesome, naturall,y organic life. It’s not just about food!

Ready to be more organic? Here are some really great tips that can help you get started.

Create An Organic Garden

One of the easiest ways to ensure that all the fruit and vegetables you eat are organic is to start growing it yourself. Growing your own food can be quite difficult, especially if you are completely new to it. But don’t panic; you can start off developing your skills by beginning with the easier produce to grow, such as lettuce, cucumbers, and gherkins. You’ll be able to buy seeds from your local supermarket; but there are also some online stores that sell more exotic fruit and vegetable seeds, if you fancy challenging yourself!

Reduce Your Energy Consumption

Leading a more eco-friendly life is part of living more organically, too. So, it’s important that you try and reduce your household’s energy consumption as much as possible. There are various ways you can do this. First of all, make sure that every electronic device and appliance is turned completely off when it isn’t in use. Next, you should consider switching to a renewable energy source. There are now quite a few energy companies that will install solar panels onto your home’s roof, so that you can use greener energy from a nature-friendly source!

Go Natural With Skincare

You can also improve your skin care so that it’s a lot more organic. First of all, it’s worth finding some natural skin care products. Lots of beauty companies now have a very good range of natural products, as there is such a high demand for them. These are all made from organic ingredients and are completely cruelty-free, meaning they haven’t been tested on animals. If you want, you might also like the idea of trying to make your own skin care products. There are lots of recipes online that use plenty of ingredients you will already have in the house.

Eat Seasonally

There are some people who complain about the price of organic food. Sure, it can sometimes be expensive, but that is usually the case for ingredients and produce that are on sale when they are out of season. So, as you can probably tell, it’s much better to try and eat seasonally whenever you can. There are a few guides that can help you work out your diet, so that it is more in keeping with the season. But one of the best ways to figure out what is in season is to buy from farmers markets, as they will only be able to sell what they are able to grow at the time.

Enjoy your new organic life!

Do you have anything to add?


Spending Quality Time With Your Little Ones

(contributed article)

Whether you’re a single parent or not, life with kids is busy and hectic, but also full of fun and adventure, too. It’s crucial that you’re in a great routine with your little ones, so that they feel happy and secure, and they know what to expect. However, sometimes the routine can overtake the fun stuff; and spontaneity can get pushed aside, replaced with homework, dinner time, and bedtime. Therefore, when it comes to the weekends or school holidays, it’s time to step away from the rut and make an effort to enjoy more quality time with your children as they grow up, which will happen way too fast. There is definitely no harm in mixing things up a little and making some great memories together.

During the free time with your little one, it’s your chance to teach and educate them about all the stuff they don’t learn at school. Perhaps it’s about getting outside and appreciating the environment more or a trip to where you grew up, so they can learn more about their family history. Whatever you choose to do, it will be time well spent. Therefore, it’s worth thinking about how best to spend your free time, writing a list of places you’d like to visit and things you want to do and going over in your mind the values you want to instill in your kids. Sometimes, getting it all down on paper and writing a to-do list can help you implement activities and make them happen. The following are some tips for busy parents who want to focus more on spending quality free time with their kids.

Time Management

As previously mentioned, it’s tough to juggle life and all the things that kids bring with them; but with a little planning, your time can be divided up successfully. If you co-parent with an ex-partner and had the best law firm for divorce, you’ll already have figured out the exact times and dates you’ll have with your kids, well in advance. This is great for your plan; you can utilize a large monthly calendar and start popping down the things you’re going to do, how much it may (or may not) cost, and any details needed to make each fun activity work out. Whatever your parenting situation may be, you can still utilize a plan like this,  which while having fun, will also help you think about those needs kids have, such as napping and healthy choices for meals. 

Appreciate The Little Things

Kids might not remember the exact zoo, park, or fun fair you took them to, but they’ll remember how they felt at the time and specific things you’ve done or said to them. Therefore, make sure that you’re praising them for great behavior, noticing the little things they do and say, and take loads of photos! Even on an average morning, when everyone’s trying to eat breakfast and get ready for school, make it a moment to remember and take a picture. Your kids know how much you love them, so give them plenty more memories to take into their future and show their kids.

How do you like to spend time with your kids or grandkids? Do you have a list of stuff you want to do this spring and summer?


5 Different Ways to Make Money Online

I think as writers we assume that everyone realizes they can make money by selling things online from their websites or by finding freelance jobs online. But I don’t think people in other professions think of it as often. When this contributed article came across my inbox, I thought it had some good ways to make money online. So here it is: 

If you’ve seen that there are a range of different ways to make some money online, you may be wondering if it’s really possible. Because if it’s really that easy, why isn’t everyone doing it? Well, that’s a good question. Although nothing is ever really easy, per se, if you’re in a financial slump and you want to be able to change your life, you can definitely do that by doing something online. Because it doesn’t have to be incredibly difficult for you. While a lot of the ways that you can make money will take time and effort, they’re often incredibly worth it. Because making money online can top up your existing income, or even replace it. So let’s take a look at some of the standout options.

Selling Products

One of the most classic ways of making money online is to sell products. You don’t have to have an offline shop, or even have been in the business of sales before; that’s the beauty of doing this online. You can really learn along the way. You might like to setup an Amazon shop selling products or even do something on eBay or Etsy. Whether you sell items you’ve made or source items to sell yourself, this can be a great venture if you’re willing to put the work in to set it up. You could also look to sell on your own site in the future, too.

Affiliate Marketing

Up next, there’s affiliate marketing. Affiliate marketing is a way that you can earn money by recommending products and brands. To do this, you will need a website or blog on a certain topic or a range of topics. You’ll then share specific links that are given to you by the affiliates. If your site visitors go on to make a purchase through that link, you will earn a set percentage of the sale. It can be a simple way, once set up, to generate a stream of income.


From here, there’s blogging itself. And yes, you can make money through affiliate marketing as a blogger, but it’s not your only option. Instead, you can generate income from advertising, sponsorship, advetorials, contributed articles, and even your own product sales. So this could be an idea that takes you a step above affiliate marketing alone.


Then, there’s always investing. A lot of the time, people think that this is something that only financial experts can do. But that’s not the case. You just need to read up, using things like stash review, on the best ways to do it. Then, with a bit of knowledge, you can start off on your own investing venture.


If you have a particular skill, such as writing or graphic design, you could then look to sell that on a freelance basis. Sometimes, this could be something you do alongside your day job, or something that you move into full time. You could even consider consulting in this kind of format, too.

Have you made money online? Do you have any tips to share?



Organizing Your To-Do List and the $10,000 Idea

I love a good to-do list. Who’s with me here? Without my daily/weekly/monthly list, I’m not sure I would get anything done. Actually, I think I may be a little addicted to my lists! I love to finish something and cross it off the list. Not only is it good to finish it, but it’s also rewarding to see all those items crossed off! Plus, as many of you know, in 2016, my word of the year was organization, so this all fits together. But where am I going with this post and what is a $10,000 idea? (It’s not, by the way, an idea that will make you $10,000! But don’t stop reading.)

The way I have chosen to organize the tasks I need to accomplish each day and week is on my weekly desk calendar, where there is plenty of room to write several items on each day. But last week, even this wasn’t working for me. I felt like some of these tasks I was simply moving from week to week, and they also fit in different categories in my life. There were tasks I needed to do for the house, for my day job, for creative writing, for freelancing, for Katie and Chester, and so on. So I took five blank sheets of 8.5 x 11.5-inch paper and labeled them:

  • Freelancing
  • Cleaning/House/Bills/Paperwork
  • Personal
  • Writing/Blogging
  • Day Job

Then I put the tasks that I needed to accomplish (some new, some left from my calendar) on the sheets in the appropriate category, so I could wrap my head around what I needed to do and what area of my life it would benefit. For some reason, this made my stress level go WAY down, and I felt like I could accomplish many of these things. Some of the items needed to happen immediately (like the laundry, critiquing my writing group’s work, and finishing my day job’s publications), and some of them were things that could be finished at some point (like writing a blog post and cleaning out my email inbox).

And then there were the $10,000 ideas. 

I noticed on each page, there were some ambitious goals, projects like: cleaning out the basement and finishing my novel that weren’t going to be done in a day or a week. They were also items that would make my life better and richer, and so I decided to call those my $10,000 ideas. I drew a spiky circle around each of these and wrote $10,000 idea next to it

This is very similar to making New Year’s goals; with these ideas, I’m saying: these are things I want to do, and they will make my life better, and I will do them eventually. I love how I have them on these lists in categories; and how every time I look at my list, I am reminded of these BIG TICKET items that will improve my life.

So if you see me around, ask me: how are your $10,000 ideas coming this year? And…of course, I must ask…do you have any of these ideas on your to-do lists?


The Biggest Decisions to Make For Your Wedding Day

(contributed article)

If you are a single parent, then one day, you may have a wedding. Some people like to go BIG to celebrate a new start, and some like to reign it in with a few close loved ones. Your wedding is arguably one of the most important days of your life, but many of the decisions you make will simply stay as part of that amazing day. The music you hear, the food you eat, even the flowers you choose- while these are all extremely important, they won’t last forever. However there are elements of your wedding that will; and so you should take extra care when choosing these things. For this reason, here are some of the biggest decisions to make about your wedding day!

Picking The Photographer

Your photos will hang in your home as well as in the homes of your nearest and dearest; your wedding album will be one of your most cherished possessions. These pictures will be seen on social media and just about everywhere else you choose to share them. So finding the right person to capture your big day is a huge decision. Make sure to look through lots of portfolios and have a chat with the photographer you choose before the big day, so they know the kinds of shots that you want.

Choosing the Rings

One of the first things to consider when you’re choosing a wedding ring is the metal you want. Of course, you will want to choose something that matches your engagement ring, but it doesn’t have to be the exact same metal. If you have a white gold engagement ring, for example, you could go with platinum, which has a beautiful silvery white color. This will never fade, tarnish or change color; and while it’s a more expensive option, it’s incredibly good-looking and long-lasting. If your budget is smaller, palladium is a fabulous alternative, as it has a similar silvery white finish. It’s hypoallergenic and is still a high-quality metal, but doesn’t have the high price tag of some of the other materials available. It can be harder to find, but Tacori wedding rings do a selection of options.

Sterling silver is another choice; despite it being one of the most common metals in jewelery, it’s often overlooked for wedding rings. This really shouldn’t be the case. Silver is a beautiful choice, and it’s especially ideal for those on a budget. If you’ve splurged on the engagement ring and the rest of the wedding is increasing in price by the day, sterling silver rings could be a good place to save. They still look beautiful. last forever, and will work well with any silver colored metal engagement ring.

Finding Your Dream Dress

You will remember the way you felt on your wedding day forever, and so finding the perfect dress that you truly feel like a princess in is so important. Many people save their wedding dress, so it can be worn by their daughter later on when they grow up and get married, which is a lovely, sentimental idea. Wedding dress styles change, and so a few adjustments will probably be needed; but a good quality dress could be worn by you now and then passed down later on. Just be sure to have it properly preserved, so it’s free of pests, dust and marks wherever you store it.



5 Best Kept Secrets About Parenting

Today, I am honored to have Erica Johnson blogging for me. She is the main editor for Inner Parents and a very proud mother of two who’s passionate about the latest parenting tips & baby products. She wants to share with us (practical parents) the 5 best kept secrets about parenting. So, here’s Erica:

5 Best-Kept Secrets About Parenting

by Erica Johnson

Everyone has parenting secrets they’re willing to share. You’d think that between your family, your workout crew, your co-workers, and your social network that by the time you become a parent, you would know all there is to know. Years later, you may realize that there are some best-kept parenting secrets everyone keeps to themselves — or maybe it’s that you have to discover your own. Here are five good ones.

Secret One: Breastfeeding is Easier Than You Think

Not every mom can breastfeed, and not every mom wants to; but if breastfeeding is your choice, you discover pretty quickly what a lifesaver it is. Despite a steep learning curve, it’s ultimately a snap. Breast milk is always the right temperature. You don’t have to wash bottles. You never need to make a trip to the convenience store at three AM–it’s always right there.

Secret Two: Time Flies

Sometime during your child’s first year, you’ll swear that you will never have time to read a book, paint your nails, or even take a private pee until your child has graduated. The secret here is that when your child really has graduated, you’ll wish you could trade a few of those books or nail sessions for just one more hour of your grown kid being a little one again.

Secret Three: Kids’ Books Are Awesome

One of the most delightful treats of parenting is re-reading those books you loved — and discovering new ones. From the hauntingly evocative illustrations of Chris Van Allsburg to the glorious world of Harry Potter, children’s books are amazing, and it’s great to have a good excuse to browse that section of the bookstore.

Secret Four: Don’t Sweat the Small Stuff

New parents worry about Disney princesses. (Is Snow White a good role model?) They worry about birthday parties. They worry about cloth or disposable. Want to know a secret? These issues aren’t that important. What’s more important to your child are the hours you played with them, taught them, went places with them. Odds are, your child will remember that day you both built houses out of orange peels and rocks in the yard better than they remember the expensive birthday party you threw.

Secret Five: Let Go and Let Grow

One secret about parenting is that your whole job is to make yourself irrelevant. (We don’t want an adult child who still needs parenting!) To do that, we have to let our kids fail. That doesn’t mean giving them the car keys when they’re eight, but it does mean that we give kids age-appropriate control: we let them do their own homework, choose their own clothes, get that weird haircut. It’s tempting to step in and fix things, but don’t. A child who experiences age-appropriate natural consequences becomes an adult who’s prepared to take responsibility.


Thank you, Erica, for this thoughtful post! If you are interested in reading more parenting articles, check out Inner Parent at the link above. Or follow Erica on social media: Twitter    or     Pinterest



Gambling On Granola: An Inspiring Memoir About Being a Single Mom and Starting a Business

I am happy to tell you about a great book that WOW! Women On Writing is currently hosting as a blog tour. I am a stop on the blog tour, and so below you will find out some information about the memoir, Gambling on Granola. But before you read this info below, I want to highlight a couple points that will be important to many of my practical parent and single parent readers out there.

Everyone of us who is a parent has this desire to make our children’s lives better than our own. We want to give them opportunities and experiences that we didn’t have. We want to love them fiercely and teach them to be great people. This desire led Fiona to create a company called Fiona’s Natural Foods, and her story shows us that determination, perseverance, love, and a fighting spirit can make anything possible.

Her website states that “Fiona took her mother’s recipe from the 1960’s, updated it, and created new flavors and ingredient combinations.  She hoped her new concoctions would be just the solution she had been seeking. “

​”The eponymous Fiona’s Natural Foods became a burgeoning regional natural foods brand, selling granola, quinoa cereal and energy bars to dozens of natural grocers — including Whole Foods and Natural Grocers By Vitamin Cottage — throughout Colorado, Kansas, New Mexico and Utah.” –Daily Camera, Boulder, Colorado

I was lucky enough to receive a free copy of Gambling On Granola. For those of you who have read some of my personal posts over the last two years, you know that I am also a single mom with a full-time job, a desire to be a successful writer with a part-time freelance editing business. I understand Fiona’s drive and fight, and I hope if you check out her book, you will be inspired by her also.

  About the Book:

In Gambling on Granola: Unexpected Gifts on the Path of Entrepreneurship by Fiona Simon, Simon shares a tale that is uplifting and inspiring but also raw and honest. This is a business memoir but also a love story―the love for her daughter, of a journey in uncharted waters, of the products and company she created, and of the continued challenge to follow her dream.

We see her growth and healing over fifteen years, as mistakes, weaknesses, and naiveté, evolve into resilience, resolve, and inspiration. For Fiona, it started out as all new businesses do―with an idea. But her world quickly became more complex as she established her company, developed new product lines, forged personal relationships in a competitive environment, grew her business, and held onto her deepest values―all while raising her daughter, Natalie, as a single mom.


“Fiona’s story is both personal and transformative. She lays bare the hopes and anxieties, challenges, betrayals and lessons learned in creating her own business. From the mountaintops of a solar observatory where she was raised, to the struggles and triumphs, her story is like a path of granola crumbs leading the reader to understand how to succeed at any enterprise.”
– Jeff Kline, M.A. Ed., Chairman, Hispanic Communications Network, Washington, DC.

“Fiona Simon is an engaging storyteller and her narrative moves right along. It should inspire and motivate anyone who needs to remember the importance of persistence, belief in oneself, and vision in pursuing a goal. Her granola is good and so is her book.”
– Bob McCormick, Publisher, Editor, Author

Paperback: 200 pages
Genre: Memoir
Publisher: Terra Nova Books (January 1, 2018)
ISBN-10: 1938288920
ISBN-13: 978-1938288920

About the Author:

Fiona Maria Simon is a former journalist, travel writer, editor, and communications director of the Boulder, Colorado, Chamber of Commerce. She is passionate about developing healthy food products, writing, traveling the world, and inspiring and empowering others with her story. Lured by the adventures of entrepreneurship, she launched her own organic granola company and led it to success despite having no business background and simultaneously juggling the demands of being a single mom. Her book is a story of challenges, hardships, and triumphs, both personal and professional.

Find Fiona Online:

Website: http://www.fionamariasimon.com 

Amazon: https://www.amazon.com/Gambling-Granola-Unexpected-Gifts-Entrepreneurship/dp/1938288920/ref=sr_1_1?s=books&ie=UTF8&qid=1494595882&sr=1-1&keywords=books+about+entrepreneurship

Goodreads: https://www.goodreads.com/book/show/34552773-gamblingon-granola?from_search=true 

Facebook: https://www.facebook.com/fionamariasimon/ 

Twitter: https://twitter.com/FionaMSimon


The Lessons Kids Won’t Learn In School But Need Teaching At Home

(contributed article)

School is an essential part of a child’s life. For one thing, it teaches children the value of learning and how knowledge is power. Secondly, it helps them mix with other kids and learn how to socialize. Still, parenting never stops, of course, and there are areas teachers don’t cover because they aren’t in the curriculum, and there’s not enough time in the school day. They are life lessons, and they are vital in the later years of a child’s progression.

As they won’t learn them in class, it’s your job to cover the topics at home. Here are the ones to consider:

Relationship Dos and Don’ts

It’s human nature to find a partner and to share life’s journey. But this is not always easy, especially when we are young, and sadly, relationships don’t go to plan all of the time. In fact, many of them won’t end amicably and that is an essential lesson to learn.  You can recover and move on to find new love. Hollywood often promotes the idea that people meet a guy or a girl and live happily ever after. Understanding this isn’t the case will help teenagers prepare emotionally. Also, this knowledge can help them to enjoy life while single instead of feeling the need to always be searching for a partner. Hopefully, it will teach them to be ready for a healthy relationship before committing to someone, too.

Digital Manners

Social media is taking over, and children and teens are the ones who are the most involved. They often don’t understand the dangers or consequences of social media interactions. Obviously, predators exist online, and it’s crucial to teach kids to be safe and secure. However, there is also a social etiquette on the Web, which they should acknowledge. Cyberbullying and nasty comments are not clever and may come back to bite them in the future. For example, employers will check social media accounts before they offer an applicant a job.

Financial Awareness

Money makes the world spin, yet it’s one thing teachers often don’t teach in school. Credit cards and student loans come thick and fast, and children need to understand how these tools work. So, it is important to show kids the value of using a credit card, and paying off the balance is a fantastic life lesson. Also, don’t forget to tell them about the contingency plans if they do make mistakes. Pieces of plastic can ruin finances, but sites like http://repair.credit can help put them back together. Apart from repairing credit, you can focus on how to get out of debt, too.

The Art Of The Deal

Before Donald Trump was president,  he wrote that book. But you can find helpful helpful hints from https://www.entrepreneur.com  if your children are interested in business. Most modern men and women don’t haggle, yet learning how to make deals can be the difference between success and failure. And, that doesn’t just mean in a car dealership either. Learning how to negotiate in the office or with potential contacts can impact everything from careers to wages. The best hagglers know when to speak, when to listen, and when to shake hands on a deal.

These are just four lessons to learn, but can you think of any more?


Overcoming Your Financial Slump: A Single Parent’s Guide

(contributed article)

Even though this article was written for a single parent in mind, I don’t think it’s bad advice for anyone to follow…

The wonderful thing about being a single parent is that you don’t have a partner to argue with over your family finances and spending; you are in full control of all of your own money. This can be a bit of a hindrance sometimes, though, especially as you may have to make your money stretch even further. There’s always an extra cost popping up, and this can often set you back a few steps. Over time you may find you have taken so many steps back that you’re on the edge and close to falling flat. Your little girl wants ballet lessons and your boy is pleading to let him go to karate. It can be an uphill struggle for single parents, as we want to give our children everything we can, but we have to remain realistic.

Whether you have overspent at Christmas ,are racking up credit card debts, or need to find a better paying job, you can get yourself out of your financial slump. There are a few nifty ways you can boost your money, without making too many changes to your family life. Stay positive and try not to  let the little things get you down. Be grateful for your health and beautiful family, and let’s look at how to get out of your uphill financial struggle.

The Daily Squeeze

You might believe you’re living a frugal life and cutting costs where necessary, but are you doing the best you can? Are you still swinging by the local coffee shop for your morning caramel latte? Your caffeine addiction could be setting you back over a hundred dollars a month, so try and be mindful when buying food and drink when you’re out and about. Most of the time, you will save money if you cook and eat at home instead of in a restaurant.

Consider cooking bulk meals to save money on food, too. You can cut down on food waste by preparing meals that freeze well, and you might find that your groceries go much further. Try not to buy unnecessary items when you’re out shopping, too, especially if you find yourself buying sugary snacks or the food item that you just sampled in the grocery aisle. Kids grow out of clothes far too quickly, so chat with local moms and head to a nearby secondhand store to pick up any essentials you might need. Be completely aware of every penny you’re spending, and you will soon be able to start saving a small stash and pay off those bills.

Help Is At Hand

If you’ve found yourself in a tricky situation when it comes to credit cards and debts, you might feel daunted at the thought of paying it all off. Look into some reputable debt consolidation companies, who can help you to organize and eliminate your debt. These companies will give you a helping hand in managing all of your debt. If you have multiple credit cards and bills, to pay off they will be able to merge it into one larger loan. By amalgamating everything together, you will be able to come up with an action plan to pay it back each month.

You can get yourself out of the slump you’re experiencing–just find the correct help and alter your lifestyle for a short time. There will always be someone who can advise you, so try to remain positive and don’t ignore the problem. Prevention is better than cure, so get one step ahead with your financial planning this year and you will finally find your feet again.

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