Here it is, that time of year, resolution time. The first of the year where traditionally we resolve to once and for all drop those last 10 pounds, quit smoking, stop drinking, exercise more, save money, or get out of debt. We honestly believe with the click of the calendar to a new year that we will now be ready to change these things. You know, those things that don’t serve us?! Yet, statistically speaking, very few of us ever really follow through on our resolutions… only about 8% actually do so of the 40%