More than that. Closer to 7.5% over. Soon enough it’ll be Christmas again.

How have your New Years resolutions gone?

If you’ve stopped, no troubles. If you've kept going, good on you. Either way, what’s important is any day is a good day to make a change.

When you think about where you want to be by the end of the year, it may seem like a long way away.

It is and it isn’t.

It is because there’s more than 300 days before 2021.

And it isn’t because you’ve read the sentence above, this year is already 5% over.

You can use both of these to your advantage.

On one hand, you’ve got plenty of time. Because a lot can change in a year.

On the other, you better move quick, because time waits for no one.