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    With the holiday shopping season behind us, we now turn our attention to a brand new year. A new year always brings us hope and inspiration. We resolve to improve many aspects of our lives. Be it better health, better relationships, or better finances, we begin the new year with great intentions. This is a chance to put the past behind us and look ahead to the future. Too often however, these resolutions ar
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    w year. A new year always brings us hope and inspiration. We resolve to improve many aspects of our lives. Be it better health, better relationships, or better finances, we begin the new year with great intentions. This is a chance to put the past behind us and look ahead to the future. Too often however, these resolutions ar
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    any aspects of our lives. Be it better health, better relationships, or better finances, we begin the new year with great intentions. This is a chance to put the past behind us and look ahead to the future. Too often however, these resolutions ar
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    st behind us and look ahead to the future. Too often however, these resolutions are unfulfilled.

    As for our resolution to improve our financial situation, this one is often blindsided when our credit card statements are opened. It is then we are hit by the cold reality of our expenditures from the previous year … or years. Improvements in 2007 cannot be realized, with the debt cloud of 2006 hanging over

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