The yellow leaves, bare trees, morning chill, all signify just one thing now-new Year is on its way again! Soon the air will be filled with greetings of ‘happy New Year’ all around the world. It’s the widely celebrated holidays around the world. People young and old look forward to this occasion with equal eagerness, zeal and pleasure. It is one of the oldest celebrated holidays in the world. It marks fresh beginning. It is an expression of filing new hopes in our heart, forgetting all the bitterness and failures of the passing years. It is a day to make resolutions and try to maintain them throughout the year. New Year is the time to pause and retrospect on the year gone by, review mistake and resolve not to make them in the coming year. It might seem an easy task, but getting to the basics requires thorough concentration and sincerity. The first day on the Gregorian calendar is celebrated as the New Year. January 1st is popularly known as the New Year day in modern times. It is time for all of us to turn to the first pages of our diaries; these are the pages where we write our New Year resolutions. They are in infinite numbers. You decided to lose weight, cut down on all your expenses etc. Most of have some kind of financial goal for next year, whether it is to pay off bill or save money. When you set your goals, get as specific as possible. Prepare a budget for the year 2010-a budget is a blueprint of your own financial plans. Chalk out a budget for the next year. This is good times to start even if you have not done so in the past. Writing down resolutions along with their benefits is helpful; better yet is posting them in places (bathroom mirror, TV, desk) to remind you of the benefits of your resolutions. A reminder to eat healthy foods on the refrigerator is a great example. This is all but to remind you of what you’ve resolved to do but tend to forget. Now that your resolutions have been made for you, all you need to do is execute them. Get cracking and we hope the New Year rings in the sounds of cash register for you. So its time for all of you to clear your throats and scream ‘happy new year’ enjoy yourself to the fullest! Let’s welcome the new beginning with open hearts and lots of passion.