Well, you are surely right about this year's pandemic making us lagging behind and having an effect on us, emotionally and financially but at the same time, I tell myself that the year isn't over yet until it is over.

This is what I am saying, I know you are behind your budget by 7% and you feel next year isn't going to be kind to you but 7% of truth isn't far away from you reaching your goal. It is a sign of how you are moving and not stagnant.

For you, since you are the kinda person who works effortlessly, I believe you can make it before the end of the year even though you may not be able to make it over but your confidence can make things happen before the year ends or run out. Don't relent effort yet, just put in little effort and you will get there sooner than you can imagine.

For me, this year started roughly but during the pandemic, it helped me a lot to put things in order but notwithstanding, I am lagging behind in my budget too, it is obvious that for me, this year, I may not be able to reach that budget because I am far behind the budget but I hoping that before the first quarter of next year, I will achieve them.

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