Forget everything else and decide right now that this year will be the one where you find out what you are capable of. Where you say goodbye to mediocrity and welcome the unknown without fear and without flinching. There is nothing stopping you from going all out for one year. Have goals for this year only and do not think any further afield than that. Go home today and write down the 5 things you want to achieve this year and then get to work. Forget spending, forget your social life, trips and holidays. Push the boat out this year and the rest of your life will thank you for it.