The New Year usually brings with it a fresh start, a new leaf, and a childlike promise to oneself to stick to your goals/dreams/plans. This is a very important time of the year, as it gives the person the time to reset the clock, if they have been naughty, and the time to reward themselves if they have been good.

The time leading up to and after the New Year is also a very good time to look at your finances. Do you have a budget? Are your budgets realistic? Have you revised your budget recently for any new changes?  JTR & Associates can help you with all your budgeting needs!!