I love the freshness of a new year.  A time to reflect on things of the past. A time to do some soul searching and decide what is good and what could be better.  Shawn and I had a "financial talk" to discuss debt reduction, retirement planning, and ways to improve our budget.  I think we got a lot accomplished.  I have also made it a goal to attend the temple more regularly-I mean, I really don't have an excuse not to be there!  As Flylady says (I'm paraphrasing), babysteps go a long way to getting us where we need and want to be!  Happy New Year!