Whatever your circumstances, I can guarantee you're looking at your bank statement with one eye this week. (I have cunningly devised a special 'bank statement viewer.' It's a hole cut in a piece of cardboard, just like the ones you make for looking at an eclipse.)

The good news is, there's no better time than the New Year for getting back on track. My goal? Be able to view my statements with both eyes - at the same time! - by the end of the year.

I'm also going to do something absolutely crazy this year: I'm going to think ahead to what I want and then save up for it. I know!