For my wife and I, just like many of you, this is a time for being with family.

Enjoy the day, do things in moderation and put away any difference you may have with others.

Remember the true spirit of Christmas and don't forget there are others in our community who are less well off and see if you can give some joy to someone who might be on their own.

Our best wishes and keep safe. 

1. Did I meet my expectations for the first half of the financial year ?

Actual revenue against budget. Bottom line trading profit verses budget. Expenses verses budget. Understand where the variances are. Share the results with your employees

2. Have I adjusted and reviewed my second half objectives and plans ?

If you missed the first half mark then you need to forecast the likely result at the end of the year based on current running rate. Focus on your cash flow statement, if you are behind budget then develop strategies to keep on track.

3. What do I plan to do to improve my personal and business skills in the next six months ?

The successful operators I meet are the ones who apply a discipline of continiuos learning for themsleves and their employees. Those with the big ego believe they don't need to keep learning, they believe they know it all.

In the two business groups I chair each month, recent feedback has highlighted that we are all learning and improving our problem solving skills. Its the  sharing of ideas and experiences that adds the value to these groups.