If you are reading this, it means that there is at least one thing in your life that you want to change. Whether it’s getting fit, starting a business or learning how to make money online, all of us have our own goals and dreams for the future. The only way we can get there though is by taking action now. There will always be reasons not to do something—a fear of failure or success; time constraints, people trying to stop you from achieving your dream—but if you want something badly enough then these obstacles are just another challenge in the way of what matters most: living a happy and fulfilled life with no regrets. There is no better time than now to start. It takes a lot of courage and commitment, but that’s true for anything worth doing in life. If you want it bad enough then there will never be a perfect time so just go for it! If your goal is to earn more money or become healthier and happier next year, we hope these tips help: – Start saving up some money right away; don’t wait until the New Year because this way you are giving yourself an extra incentive (and having something cool to spend on). The best place I know of where people save their spare change without even noticing they’re saving is Acorns. You can sign up by downloading the app from iTunes Store here [link] .