January has passed at lightning speed, and we are at the time of year when many have given up on their New Year’s resolutions. Gyms tend to get very busy after the first of the year while purchases of health food and exercise paraphernalia increase dramatically. Financial resolutions are also very popular. As the clock strikes midnight on January 1st, “I want to save more” or “spend less” are common goals. As February rolls around, many can become discouraged if they have not accomplished what they declared they would after the ball drops.