Today I’ve been thinking about New Year’s Resolutions.

I’m not going to make any.

Rather, I’d prefer to view my life as something I can start afresh whenever I like. Instead of resolutions, I’ll be setting goals.

My main goal is to be debt-free by December 2007 (excluding my student loan).

This is going to be an interesting one because I love shopping and, currently, saving is hardly amongst my favourite activities. However, financial independence is something I dream about and is the one thing that would make the most positive difference to my life.

So, here are some ideas I’ve got for achieving financial independence:

• Save more
• Spend less

Hmm, shockingly ground-breaking…(!)

I’ll be able to do this, so long as I focus on the fact that I want to do this, rather than seeing it as an imposition on how I’d rather live my life. Yes, choices, not restrictions.

Another reason for making sure Ethical Beads is a runaway success.