hello Clara, Yes 2014 will bring a lot of change to your life but, it may no be all bad. I know we have to make certain plans in our lives, but maybe not so detailed. Sometimes we set out plans with the very best of intentions (I know I do it myself) and they can all fall apart. Your brother is not going to get any better, I dont need to tell you that. Your goals are attainable Clara, but dont rush into buying a house.There are a lot of things that you have to consider. I think you a marvellous person, and you always have a positive spin on things, and that is one of your many strengths. Best Wishes Clara.