answer:I’d advise them to identify the key, achievable goals they want to achieve during the year, and to actively sit down and plan how they can achieve them. So if they want to be healthier, what does that look like for them as an individual and to break down the steps they need to take every day to reach that goal. If they want to be financially better off, what does that actually mean in achievable terms? Do they need to pay off their credit cards? How can they achieve that? What steps do they need to take? Whatever their aspiration or goal, in whatever realm of their life, set some meaningful targets and then plan small steps that will allow them to reach their target.