A new year, and in fact a new decade is upon us. For most of us, the New Year begins with the dreaded "New Year Resolutions". You know, those things that we say we are going to do and then can never keep them up? Some of us say "I want to be fitter this year". We go and buy all the gear, sign up to the gym, buy a bike and start running. Normally for about two weeks. Some of us say "This year, I want to spend less money". That's a good one, because it comes at the same time as