- New Year's Resolutions have lost their umphh!
- Over-the-budget expenditures from the holidays show up on our credit card statements.
- Tax season is looming ahead, forcing you to sort out that drawer of receipts.
- It is time to go back to school after the winter break.
- It is cold outside and you would just as soon stay in bed all day.
- Grizzly bear totem makes its presence.
blue sun image © bogenfreund, Flickr Creative Commons