But in the end, we got members of both parties to come together and make sure that you could keep more money in your paychecks each month.

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In order to keep our example simple we wanted to have a one month but please keep in mind as you develop your skills there are many more ways to play this.

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And if you're looking for a case to carry it all in, check out these chic quilted iPad bags - just the thing to keep your kit cozy and protected during this month's blizzards.

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Whether you scribble down your mileage, keep your receipts in a ziploc in the car or scan and annotate your credit card bills each month, do it as you travel in order to avoid a hassle later.

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How do you keep your employees engaged in their work day after day, month after month, year after year?

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Unlike selling packaged software for a lump sum or upgrade fee every year or two, when you sell a service month-to-month or year-to-year you have to keep delivering and reminding your customers that they are happy with the services you are providing.

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Start with your day-to-day spending - keep an accurate note of everything you spend for a whole month.

BBC: Fergus Muirhead