A lot of planning takes place between Christmas and New Years.
The Bible encourages such a thing (Pr.21:5;Lk.14:28).
But many plans leave out an important factor:
"You don't know what tomorrow will bring" (Jas.4:14).
Our ignorance about the future shouldn't discourage planning.
Yet it should make us plan with with humility... and with an eye toward God, since He holds the future in His hands.
So plan.
But plan without presuming.
And plan in hope too...
Though your plans will have holes in them, God will fill them in...
... and work out all things for good for those who love Him (Rom.8:28) -- even if He does so in surprising ways.