Clara, 2014 is not going to be an easy year for me either, I have a decision to make and that is not going to be easy to accomplish. Having a plan is an excellent start just please remember that sometimes the best laid plans fall apart. If it does you have to remember to pull yourself up and make another plan and start over. Don't let any pitfalls that may occur hold you back. I wish the best for you in 2014 and I hope all goes well, you already have made a huge step in the right direction!!!