For me the beginning of the year is never January its always September. I think because big J starts his new school year September and my work year starts in September it just feels right. So with September here its time for me to start planning. They say there are 3 types of people, a past person, a present person and a future person. I am definitely a future person. I'm not truly happy unless I am planning something.
The iPhone calendar is a great way for me to keep on top of what I need to plan for.
So every year around this time I start thinking about the year ahead and what I need to plan and usually it involves working to a budget.