this. My advice to you this year is: do not pay any attention to anything I might say as I don't follow my own advice.
I didn't do any savings, I bought a new tv and I quit from a job I didn't like.
Having said this, I got to be more creative, this was my busyest year ever.
I've learnt how to be a better Photographer and a better Designer, my mind is full of new projects and I wish I had 48 hour' days so I could fully develop my ideas.
The photo I'm posting today was taken last week. It's Lisbon' downtown at night (well, at 7pm), a few days before Xmas.