The second full workweek of 2014 is here, and if you haven’t put last year’s challenges behind you or taken the lead on 2013 to-do list holdovers (including past-due invoices), you’re f—d. Starting the new year in the red, mentally and financially, doesn’t necessarily spell failure, but it does conjure up feelings of being frustrated and frazzled—a frame of mind that … [Read more...]