I’ve never been one for New Year’s Resolutions. Frankly, I’ve really tried to live and make decisions consistently during the entire year. Still, there is no better time than the present to, well, make a clean start . . . even if it happens to be the start of a new year. Here are a few ideas for anyone from the most die-hard New Year’s Resolutionary to just a guy who wants to make his personal, professional, and/or financial life…