We’re all too familiar with making New Year’s resolutions – many of which fall by the wayside even before the end of January.

This may be the perfect way to sum up 2021. The year definitely had its moments – glimmers of rising hope and also hope dashed at times.

There’s nothing like the image of snow falling serenely in a forest of evergreens to bring about peace and stillness during the holidays.

We’ve been through a lot in 2021 – more quarantining, hybrid work environments, ups and downs in the economy, and political uncertainty.

How’s that budget holding up right about now? If you didn’t overindulge in Black Friday or Cyber Monday shopping, kudos to you.

Here’s a question you may not have been asked. How do you feel about money? It’s no secret that money is an emotional topic. Everything important in our lives is.