The changing calendar presents an opportunity to reflect, adjust and begin again in the direction of your goals. Consider completing this checklist to ensure your financial outlook is as bright as it can be in the New Year. Review income and expenses. Has your income changed over the past year? Did you experience any unexpected expenses? Inflation has made an impact on most households; look back to identify where your bank balance was most affected. If your spending has strayed from past financial goals, the New Year is a good time to reset and start fresh. Tally subscriptions and end non-essential...