By January, most of us are running short, suddenly finding out that Petsa De Peligro is about to hit us all too soon! But there's a way to avoid all that. As the year is about to come to a close, it's time to recover from any extra spending you've done, and more importantly, ask yourself, "Am I really ready for the coming year?". We're joined again by entrepreneur and Australian Visa and Migration expert Yuri Marshall as well as another good friend of mine, owner of Koop Studio, Michael Needham to share with us how they recover from holiday spending and prepare for the year to come.