Every year, we see the same stories in January. Lose weight, get organized, save money, start a budget and so on. I’m not going to quote the statistics (aren’t 96% of all statistics made up?), but we all know how effective these resolutions turn out to be. Very few of us stick to any of them. So here’s my suggestion for a New Year’s Resolution – get started in December, so you can at least brag to your friends that you beat them to the punch when you attend all those holiday parties.