A new year is coming and I just love new beginnings. Many people laugh at new year’s resolutions, but every year I see it as an opportunity to begin again. I ask the Lord for fresh vision for the year and for my life. I look at my calendar and write in all of the birthdays for friends and try to think “birthday budget”. I clean out my closet and go through my junk drawers. In my house, everything gets a fresh beginning for the new year… and that includes my budget. So as I have been looking at my …