Recent research has shown that when asked over 93% of entrepreneurs say that access to cash is preventing their growth and sustainability. A cash flow problem is something that almost all entrepreneurs can relate to and is often the main reason businesses fail.

Those of you that know me, will be familiar with my over enthusiasm for pretty much everything in life. I do truly believe that anything is possible. More, I believe I can make anything possible and even more than that, I want to make the impossible possible for everyone else in the entire world.

Charlotte Hogg, who is founder and CEO of The New Education, was involved in a tragic and fatal road accident as a teenager. She shares her thoughts and experiences of being front page news and dealing with extreme grief and trauma here, in a letter to the people of Boston:

As the festive period shifts into full swing, many of us will begin reflecting on the last 365 days. The mission for 2012 could have been anything. For me, it was getting my book published - and of course writing the damn thing.

Few of us will admit it but most of us are looking for love and would like nothing more than to receive a good morning smooch on the tube, a romantic gift at lunchtime and spend our evenings enjoying brilliant company and fantastic flirtatious moments over great food and drink in some of the best venues in town.

After 11 series of the X factor, most of us know the format, the predictable characters and the ultimate prize. We are familiar with what Simon Cowell looks for in contestants – the types that increase the viewing figures, who make the phones ring and the ones that go on to ultimately sell records.