How was your Friday flake out? Did you do fun things and sleep in today and generally enter the weekend very relaxed? Hope so.
Today is a bit of an assessment day. How are things going with you now as compared to, say, this time last year? What's changed and what hasn't? What do you still want to change?
Do a little soul searching.
Take a little stroll around your house.
Balance your checkbook and get a picture of your overall financial situation.
Note your progress, your problem areas, and your next steps.
Keep a calm spirit and a clear eye to see things as they really are and you'll be most effective in changing things for the better.