Happy New Year!

Happy New Year everyone! WOW ~ a new year, new beginnings, possibly new friends, new loves (meaning a hobby, a precious baby, or your first home purchase). With each year we shed the old and bring on the new. Perhaps some of you are shedding bad health and deciding you are going to be healthy; or you have shed living in debt and have become debt free. Whatever you are gaining new in 2015, remember to be Thankful for the old.  The countdown has already begun!