SANDRA HOLMES By now more than 80 percent of individuals who made New Year’s resolutions have thrown in the towel. Let’s focus on reasonable goal setting rather than getting caught up in magical thinking around a specific day. How would you like to see your life differently? Increased savings? Less weight? More time with family and friends or for a hobby? We all have limited time and money, so we have to make the best use of both and keep our goal a priority.