With the arrival of the 2nd wave of Covid 19 , the real possibility that the UK will leave the European Community with no substantial deal in place on Jan 1st 2021 , a grim set of Economic figures and forecasts in general circulation and the possibility of further ‘Lockdowns’ ,whether Local,National or Circuit Breakers , it’s all too easy to become very pessimistic and depressed about the next 6 months .None of us can influence this bigger picture individually ,but we can accept that these things may happen and plan accordingly . Even the most difficult plans to action can bring a feeling of some control over your destiny,and you never know ,that ‘Silver Bullet ‘ of a Covid 19 Vaccine might just arrive in time !