I run out of time every day, don’t you?  Actually I don’t really run out of time, I just don’t prioritize my time. See what I mean here:  The first 4 week challenge of 2013 is to set goals – whether it’s to make more effort to save money, to tackle some projects or to spend more time with your family- and to spend 15-20 minutes a day to make those goals a priority.  You’ll be surprised at how much {Read More}