The time of year has come where we all look at the start of a new year as the perfect opportunity to improve -- and with that comes the New Years Resolutions list. I'm not going to lie, for years I skipped out on the whole list idea, simply because I felt that waiting for the start of a new year to change was well, silly. But, as I get older I find that the start of the year makes it easier to meet a lot of goals -- mostly financial goals -- that I wouldn't be able to start mid-year as well as I can on January 1st.
