2011: Notes at the End of the Year

This has been a very crazy but productive 2011! Here’s what I have learned this year: • Change is the only constant • Regardless of income always have an emergency fund • Become more financially literate by knowing what’s in my retirement • I am more resilient than I give myself credit • Holding grudges are counterproductive for my health and happiness 2012 will be a very good year because I have finally realized what I am doing and am ready to take it to the next level. I will live my life to the fullest by becoming more creative. I will also resolve my living situation, remove any and all grudges and increase my productivity by earning my PMP and SAS certifications and start my own business.