Now that we are almost a full month into the new year, and everyone has already ditched their New Year’s resolutions, I’m dropping in for some reminders and motivation. Do you want to wake up this time next year in the same exact financial position you are in now? You’re working 5 days a week, and are going to receive a full year of pay, but what do you have to show for it? Sure, you have some new gadgets, new clothes, and you might’ve upgraded your phone to the newest iPhone that Apple offers, but is that what a year of your life amounts to? If you said yes,…