Now is the time to reconsider your prices because it's the first month of a new year.

Yes, you definitely need to put something in place because you are working and not getting the full benefit of your time, efforts, knowledge and yes, the use of your home for creature comforts for the kids coming there.

Again, don't sell yourself short.

Sit quietly, the answers will reveal themselves when you least expect them to.
The past is gone, the present is a gift and you need to focus on today, allow the future to reveal itself when it is ready.