It's funny that all this fresh year stuff is entirely made up by human line drawing. Anyway, to launch my year I've begun a practice I learned about from a sermon maybe 30 years ago. He said open your year with generosity and write your first checks as gifts to organizations you care about. He encouraged writing checks so the process could be drawn out and savored.
I just made two gifts, one I did via paypal and the other I wrote a check. DONE
In the process I noticed that a loan we thought we'd paid off twice in December showed a Zero balance AND 98¢ due. Confusing. So I called their service line and we had a friendly chat. She put in yet another payment and booted this to a loan officer for resolution. Ha, first day of the year and I find a flaw or bug in a system.
Most excellent start.
R