I have a dream...Actually I genuinely do still have a dream.

If I had a penny for every time someone asked me how I got into financial services I would be pretty rich by now.

Another year arrives and with it another opportunity to gear up your business for spectacular client service; sensational staff engagement; brilliant personal fulfilment; clarification and targeting of some amazing goals and dreams as well as turning in a splendid profit.

When I was considering what to write for my column, I thought you might be interested in hearing about the “No Spend Challenge” at Magenta.