Michael Garrad

Where is this year going? More to the point where has it gone?

Here we are within a whisper of Christmas. Perhaps we’ve all been too busy to notice that our lives have galloped on by almost 12 months.

Before we know it, the festive season will have been and vanished and we’ll be hanging out for early January and those hot cross buns! Tinsel on a bun anyone?

Seriously, have we made the most of every day? Have we savoured every sound, every sense? Or have we been too focused on working to pay off all those financial commitments that we haven’t had time to just indulge ourselves in the simple things?

It’s a scary and stressful time trying to get everyone together for the Big Day and where we might be come December 26 and, more of concern, what’s happening in the New Year, once we’ve got over the fireworks and the athletes running and cycling their little hearts out at the summer carnivals.

Another year, another credit card maxed out beyond our wildest dreams!