It is that time of the year again when we set New Years Resolutions. We resolve to change for the better, change or improve bad habits, achieve personal goals and make strides throughout the year. Like the snake, we strive to shed our old skin, like the caterpillar, we transform to become a butterfly. We set these goals yearly with great enthusiasm and pump at the start of the year but most of us begin to falter as the year goes by. We set goals such as losing weight, saving more money, become financially independent, maintain an healthy diet, exercise more, read more book, etc.