Happy New Year to you all! We hope the festive period was everything you wanted and you found time to reflect and set the stage for a successful 2025.

Health

Wealth

Have you set a budget for the year or thought about your investment goals?

The average Brit spends £530 per year on coffee. The bitter liquid that provides so many of us a daily pleasure.

A pleasure I wouldn't want to deny anyone, but here is an interesting thought experiment...

Imagine if, 30 years ago, you had a caffeine free year. Getting marginally better sleep each night you make the decision to invest all £530 you saved into Starbucks stock itself.

What return could you have seen? As you can see below potentially pretty juicy!

Savings and investments today may not feel like a lot but over time with consistency they can turn into massive gifts to your future self.

Relationships

@IAmMarkManson

Freedom

"There is only one way to avoid criticism: do nothing, say nothing, and be nothing."– Aristotle

Everyone that critiques you will be dead in 100 years and its highly likely no one will remember them then so why let 2025 be the year you allow fear or criticism of failure sacrifice get in the way of what you want to build?

Swing for the fences and don’t worry about what others think.

And if you find yourself being the judgemental one, perhaps a little jealous of other peoples success, I will leave you with this quote from Richard Osman's new book series...

"But Steve has learnt you must never resent other people for their happiness. Everyone is taking the best shot they’ve got, and some shots are just luckier than yours. Any time you feel your unhappiness turning into bitterness, you have to check yourself. You can live with unhappiness, but bitterness will kill you." - We Solve Murders