“I am in competition with no one. I have no desire to play the game of being better than anyone. I am simply trying to be better than the person I was yesterday”… Anonymous Dear Reader Wish you a very Happy 2014…I am sure you would have had a fascinating 2013 and looking forward to another fabulous year !!! Last year around the same time I had posted on New Year resolution for 2013 . So how does the report card look like? I did well on the Resolutions 1 & 4 (Habit of Physical Exercise & Habit of paying up the Debt). I flunked on Habit of writing (you might have noticed that in the randomness with which I post here) & in staying away from TV & Internet. 2 out of 4 .... However I am happy overall because : In 2013, the Physical exercise routine has made its way into my daily schedule wherever I am. And it is also so true of my Finance, where I am in a better situation today than in January of 2013. This was possible due to the 4 steps of Habit formation s