Actually,January is a month where people complained that is a hard month because of the spending from the December celebration, but to me January have never been a hard month because of planning. Because there is a saying that said, when you fail to plan, you are planning to fail. Let me drop one important idea on this;
*Good planning system: I mean not just planning but good planning system, because somebody can plan and the planning system is not good it will still fail, because if you put everything in planning, you and your family will live a better life entry the New Year.