Have you made your New Year’s resolutions yet? I’m spending my new year reflecting on what was and what may be for 2021. It’s been a wild year, filled with so much chaos, it’s hard to believe we all actually made it this far. And hasn’t it been a struggle? Both emotionally and financially, this year has really tried and tested us all. And the reality is, although there is always a light at the end of the tunnel, there is no real assurances that when the clock strikes midnight on the 1st January 2021, that all of our problems will just go away. There are so still so many…