I am always a proponent of upgrading your lifestyle in as many ways as possible. I believe that for the sake of mental health, sanity, and security, we each deserve to follow our intuition, treat ourselves well, and look after our own best interests. If we focus on continuous improvement and do this naturally every day, with the mindset of being grateful and expressing deep respect for the gift of life, we can incrementally  change our living situation.

1) Pay for her website domain and hosting
Most small business owners don't think of this precious detail, and if your special lady is in business, this is one of a myriad of other details. Do her a favor and prepay for the next 2-3 years of domain and hosting. You'll get a chance to reassess her existing website details (username and password) and inventory the current situation.

2) Get her Quickbooks Online

With the low interest rates available and the challenge of many women to manage their family finances, their business finances, and the changing needs of family - from children going to college to elderly parents needing care, we're finding a great need for education and self-awareness about personal finance options.

A great place to get started learning about finances is Investopedia. You can also learn about personal journeys through blogs like I Will Teach You to Be Rich, Millionaire Mommy Next Door, or Get Rich Slowly.

The beginning of the year is a great time to get organized and review (or start) your savings plan.

1. Happiness - You can use money to buy things that make you feel better, but you cannot directly purchase happiness.
    
2. Health - You can get better healthcare by paying more, but you cannot literally buy health.
    
3. Smarts - You can purchase a good education, but you are either born with brains or you're not. You can always improve your chances of developing more "smarts" through self-directed experience and taking advantage of any opportunities that come to you.
    
4. Respect - It is impossible to buy someone else's respect. Self-respect also exists beyond money.
    

There's a huge need for science and math teachers in America.

Research shows that the most effective way to promote high-levels of student success is to have excellent educators in every classroom, but the demand for teachers in the STEM fields (science, technology, engineering, and math) needs to be filled: by 2015, Business-Higher Education Forum projects that 280,000 new math and science teachers will be needed in America's public school classrooms.