Make it Fine in OH NINE
It's that time again, the cycle continues. The holidays are over; except for The Superbowl, of course, and we can't really cut down on anything before that. Or can we? It depends on how you look at it, doesn't it? Why not make up your mind to change a few habits today or tomorrow? Eating habits, smoking, drinking, any of the usual vices we tend to tackle this time of year are fair game now! Let's see, what else is there? Oh yeah, spending, budget, catching up on the To Do List, saving, learning, reading, practicing your music skills, fixing the plumbing, oil changes, maintenance, cleaning house or seeing your dentist. In a word, motivation! Any time is a good time to plan and act, but the beginning of…