My resolution this year was to leave my job, which was a very stable job managing a mobile phone shop, and start up my own business online.
The Apprentice candidate Solomon Akhtar showed us that young people can become entrepreneurs by being passionate about an idea and utilising their knowledge and skills set. (Just don't put two pages of sailing boats in a business proposal!)
Soft skills are a game changer for career development and business growth and it's time for employers, government, educators, parents - everyone - to take action to recognise, promote and improve them. Part of the success in my journey wasn't about my qualifications or experience, but it was the value I gave to soft skills that helped me get to where I am today.
The Chancellor is right to argue that debt will have to be reduced. There is no definitive answer to the question of the optimal level of debt, but debt in the UK has doubled since the onset of the financial crisis and, as a result, it would be harder to respond to a future severe downturn in economic activity through an easing of fiscal policy. Debt needs to be reduced to create room for it to be increased again if needed.
Into 2015 and beyond we can expect to see fewer lenders granting fewer loans, resulting in a greater dependence on state support and rise of the grey and black markets.
Many of us have noticed the impact of rising household bills like energy. New private spending on infrastructure will push bills up further, and not enough is being done to make sure it's affordable or this money is being invested as cost-effectively as possible.
We have a flourishing independent film scene. Micro-budget projects being built from the ground up, mostly through crowdfunding. And we have the huge superhero movies, but the in-betweens, the films that people really care about, have vanished.
There's a fresh generation in Britain - of all ages - who currently more likely to be determined and optimistic. Because those are the qualities you need to start and run a business. It's not about being original and inventive, it's about getting out there and doing it. And more of us are.
Our national security and our future competitiveness and prosperity all depend on bringing more people into engineering at all levels. But we need rather different skills from the conventional ones engineering has sought in the past and this is widely understood...
As 2013 came to a close, who would have guessed that oil prices were heading towards $40 a barrel, sending oil-rich economies into chaos and driving investors out of emerging markets? What will the next year bring?
It was one small comment from the presenter that day that confirmed what we'd been striving for all these years has been achieved. It's easy to get the January blues but, since then, whenever I've been a little stressed I remember what I'm thankful for and get on with it.
What's not to like about wages increasing (in the three months to October, average earnings excluding bonuses were up 1.6% from a year earlier) and prices only rising by half a percent? Economists are in two minds.
As we kick off 2015, it seems that for many, the perception is still that it's safer to stay in the closet if they want to get on at work. In fact 62% of students who were out at Uni go back into the closet when they start work.
In our efforts to work efficiently, produce more for less, meet the ever increasing demands of our world, serve our clients and our colleagues well and just fit it all in (I am exhausted writing it!) we were in danger of forgetting some fundamentals.
My amazing friends who are also my shareholders at Ariadne Capital and the Limited Partners in our venture capital fund, and I pioneered the 'Entrepreneurs Backing Entrepreneurs' model for the financing of entrepreneurship in Europe in 2000.
I have always worked at something I love, however this is different, as this is working for myself and with my best friend - and backing our beliefs and visions, not someone else's. It brings an extra passion and commitment to the process and, ultimately, a more fulfilling reward.