Sorry but I must ask how many of you made a New Years resolution and have stuck to it?  Hummm… If you are still thinking about it then “Stop”.  Instead I want you to recommit and realize that if it were important the first time, it is even more important now. Why does everyone make a resolution?  Answer: Because tradition dictates that every year we should kick off the New Year by getting rid of bad habits and replacing them with a healthier lifestyle. What are the most common New Years resolutions?  Answer: lose weight, manage debt, save more money, eat right, get a better job, get a better education, drink less, spend more time …