The New Year brings with it a clean slate. We have the opportunity to wipe the white board, reassess our plans and take stock of how things are going. I want us to leave behind the past year and look at the future with promise and excitement. Many of us make resolutions (losing those 10 pounds) and set goals for ourselves that cover a multitude of aspects of our lives, finances included. There are some key steps to setting goals for every aspect of your life.