There are just less than 24 hours before we say goodbye
to 2010. But before that, have you made your New Year’s resolutions yet? Or have you checked the ones you made last year and how did you fare? I know I didn’t do so well.One of my resolutions for 2010 is to lessen my expenses
. Yes, I am a lady who usually goes crazy when I see the red sign saying, S-A-L-E!! 
However, I have to tighten my purse
strings for 2011. I should know how to differentiate the things I need from the ones I only want. For sure, it will be a tough decision for me but I have to try.I now have this cool iPhone
App, iBear Money, to monitor my spending habits. It is a little troublesome because I need to input all the purchases I will make everyday. So, I am hoping that this will discourage me from buying things all the time. Only time 
will tell.
So, cheers to a fruitful New Year!
May 2011 be a better year for all of us.
More smiles
and laughter than frowns and tears 
.May the incoming year bring hope to all those who need it.
2011 shall be a better year!
A Prosperous New Year!!
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