We're back!! How are you all doing? I'm excited to publish the second issue this year. The feedback and outpouring of support, including your questions and the stories you've shared, has been inspiring. Thank you! 2020 has been a tough year for most everyone. We've lost jobs, loved ones, and had numerous crises while living in a new normal characterized by ambiguity and uncertainty. We've adapted in different ways, and some are certainly thriving in this brave new world. Despite the losses, things are starting to look up. There are more job ads and fewer stories of retrenchments and layoffs. The economy is beginning to bounce back after lockdown with the CBK reporting that there’s more cash circulating outside banks than it did in April. While Kenyans have always retained our sense of humour, conversations are showing less despair and angst and shifting toward positivity and planning for the future. This issue is a mix of thoughts and stories around renewal and going back to basics in different aspects of life. On the financial health front, we're talking about budgeting, financial planning, and responsible spending, and the all dreaded 45 Days of January. The idea here is to clean out your financial closet and start fresh in the New Year. Speaking of the New Year, Setting Goals for 2021, is a guide to turning your resolutions into achievable plans based on OKRs. Let's see if we can get you on track to achieving your goals in 2021. If one of your goals is to start a new business, check out the article Running an Online Business from a young entrepreneur. She’s sharing her hard learnt lessons since starting her business. She aspires to build an empire, and we'll undoubtedly read her name in neon lights in the future. For those travelling over the holidays, Travel Tips advises on how to get the most value for your money. If nothing else, 2020 has taught us to be prudent about money. One other lesson that 2020 has taught us is that banking and financial services must be something we do rather than somewhere we go. Financial institutions should incorporate banking in our everyday tasks. Fintech Plays discusses the areas to innovate to make this possible. I hope you enjoy the issue and the issue extras we share periodically. Please subscribe to get notifications and access to the subscriber-only material. Happy holidays! Fatma