Okay, here we are on the 25th day of January. Have you done your goal check-in? I mean really look at where you are with each of your goals? Are you on target? Are you somewhat on target? Or are you at a standstill? Regardless of where you find yourself, just take a deep breath, re-focus and dig in again. If while snowed in with cabin fever, you find yourself surfing the web and ordering things you do not need. No problem - go to your monthly budget and re-adjust your expendi