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Have you done your new year's resolutions already?  I always tell myself, I would rather make yearly goals than resolutions.  Resolution is to make a firm decision to do or not do something.  Oftentimes, these are broken, by myself at least.  But to have a goal, regardless of the means you do to achieve it (good ones only please), urges you to be more creative, persevering, hopeful and inspired to get what you've set for yourself.

I do this every year.  I started goal setting in 2008.  I have one major goal and several minor ones.  So far, year by year, I achieve my goals one step at a time.  My previous goals had to do with legal matters, paying off debts, travelling and getting an insurance coverage.