I’ve never quite understood the magic of January 1st compared to any other day of the year, if you decide that something important needs to be accomplished. But, New Year’s has always been a time for new beginnings and resolutions, probably because we change the calendar. People are ready for a fresh start and New Year’s resolutions are made. It’s easy to say you want to lose 10 lbs. or you want to put yourself in a stronger financial situation – the difficult part is actually committing yourself to the diet and exercise, or saving a few extra dollars a month.