As this year comes to an end, many people are asking themselves: “How did the year end without me accomplishing the things I had on my to-do list”?  Others are thinking of resolutions they can come up with for 2014.  To not be the person asking ‘what happened?’ when 2014 ends, you must be the person making resolutions with an ACTUAL plan- one that you put some thought in, worked on, and committed too.  Regardless of how your 2013 ends in the words of Frank Sinatra…Take a deep breath, pick yourself up, dust yourself off, and start all over again.