Are you dreading the phrase, “New Year’s resolutions.” I am, too. The first one always involves dieting. Time to hit the salad bar and avoid the complaints. Well, maybe ‘not complaining’ was not part of the deal, but shedding pounds was.

After we resolve to lose weight, our next most popular resolution usually centers on our money habits. You know the drill… Shed the debt, save more, and spend less. If you are like most people, as February creeps in, so do the burgers and fries, not to mention, the credit cards. Many of us have a tough time sticking to the promises we made to ourselves.

I have some tips to really make 2019 a new beginning.