Hello ,

Another year is coming to an end and by now you should be relaxed and organised, ready for the Christmas break.

You may already be on your way to warmer climes or to spend time with family and friends. Or are you one of those rushing around buying last minute presents and stocking up from rapidly emptying shelves?

If you see Christmas as something to be survived or you find it stressful, you might find this blog post on How To Survive Christmas useful.

Between Christmas and New Year is a good time to reflect on what you've achieved and plan for 2016. If you've had a busy year - has it been Good Busy or Bad Busy? Read the blog to find out more.

Thank you for all your support and encouragement this year. It's always great to hear from you - whether it's to say you've found an article useful or to get some advice or information.

I've already signed up for my next charity bike ride for 2016 and will be back in training at the beginning of the year!

Look out for 12 Days of Tips and Offers to get your 2016 off to a great start, appearing in your Inbox after Christmas.

Whether you're celebrating with family and friends or looking forward to some peace and quiet, enjoy the festive break.

With best wishes for Christmas and the New Year.