First day of the New Year. New Millenium. Who cares what literal minded people think, we can always change the calendar later. But, on to the point. Last night, or the night before, I came up with this year's resolutions. Only eight this time; this way maybe I can get a highter percentage done this year.

The first four are financial and the next four are physical. I'll deal with the spiritual and relationships next year. Unlike last year, there are no resolutions with a deadline within the year. I either do them throughout the year or I achieve the goal and maintain to the end of the year.

1. Pay off credit card. This one should be easy, but I thought that last year. This year I have more credit card debt, but I have more extra money to pay it off. Once again it's a matter of discipline to not spend money on big-ticket items.

2. Maintain $1000 reserve. This one may be harder since I project dipping into the reserve to pay off the credit card by April. The other problem is that if there is an unexpected emergency I'll also use it up like I did last year.

3. Build up reserve to $2000. This does not depend on (2), although if I don't break (2) it'll be easier to do this one. Again this one is possible with hard work, but I don't expect to be able to do this.

4. Max out paycheck contributions. I want to increase my ESPP up to 10% which will max out my contributions at 25% of my paycheck. I'll only have two chances this year to increase the ESPP contribution. This may break my financial back and prevent me from doing the first three.

5. Reduce weight to 205 lbs. A modest weight loss of less than 10 lbs. This will require me to exercise more, eat less and maybe better. One of the few resolutions that I've tried to do previously, but never seem to accomplish.

6. Exercuse 20 min 3 times per week. Really, how hard can this be? Just requires an hour a week of commitment. Can be just walking, pushups, situps, whatever. Some calisthenics to get the blood moving and prevent my muscles from atrophying.

7. Get a physical checkup. Same reasons as last year why I won't do this. But I probably need a professional to tell me that I need to get in shape and eat better for me to take my health seriously. It's not as if I'm of the age to really start worrying about the really bad stuff.

8. Eat lunch, less at dinner. As part of that health thing, I should start balancing my meals more from no lunch, big dinner to two more reasonably-sized meals. Just need to eat a sandwhich for lunch and not cook so much food at dinner time. If I don't do this right I'll gain a lot of weight.

So, those are my resolutions for this year. If I can do five then that will be a spectacular success. I should be able to do three and less than that would be a rather poor year for me.