January seems to be a good month for digging
up wealth: Gold was discovered Jan. 24, 1848, in California and the
first great oil discovery was made Jan. 10, 1901, in Texas.
New Year's Day. Bask in the glow of your good intentions.
For 2007 give yourself a couple of concrete financial goals. Get as specific
as you can, and review your progress weekly to keep yourself on track. Reward
your good behavior every so often with a special treat. And give yourself
plenty of reminders (photos, a bulletin board, a special memento, etc.)
to keep yourself motivated.