It’s a new year!  Get your 2012 started out with the 3 F’s Faith, Family and Finances per Michael Nwoke. Get your houses in order!  Faith- Strengthen your relationship with your creator so that when the storms come you won’t fold. If you are  unable to stand in your faith you definitely can’t help others.  Those who are not sound in faith are easily tossed back and forth. Who can you help with unstable faith? NO ONE!  Family-   We need to fix relationships that are broken and work on mending them. The family has been divided and torn apart by personality differences, incidents that no one wants to speak on and a lack of passing down generational knowledge. Family members who are out of control need to be reigned in. How many of us see family members that are totally out of control and no one wants to say anything? It seems that we are more concerned with hurting people’s feelings than putting them on the right path. Pinpoint sources of drama and division in your family and deal with them.   Begin saving for investment purposes and big ticket items. We must also work on building and repairing our credit.  2012 can be the year you are liberated or it can be more of the same mistakes, it’s totally up to you!