As the year draws to an end, it's easy to remember the bad things, but better to focus on the things that made a difference for your life. Here is a small sample of my list: -My family. Each day I see the love and joy in Miss Sarah's face -- and have the best partner to help raise her. Who couldn't love that? -The amazing friends I have who stepped up to help when we had some family issues that required me to spend a lot of time at the hospital. I know I am truly blessed with their love... -The people that have come to my coupon classes over the last year and dropped me a note to let me know how they have not only learned something, but put it into action and changed things for their families - some to the point that they can pay it forward and bless others... -The people at my church who give so much of their time, talent and possessions to help others, whether it be the Circle of Love , Puerto Rican Mission, Homeless Ministry, Food pantry, Hope House , and so muc...