2015 is going to be different. It will be the first full year in a post recessionary era where only a small few feel a positive difference, despite the government recovery figures.

Life for many is still as tough and as uncertain as it was a few years ago, and we may just have to acknowledge the fact that this is it – this is the new normal. Get on with it.

So how do we get moving in 2015 and what is the biggest challenge facing us?