For many, New Years is a time of reflection and to spend with the family. But for me, it's an excuse to raid the wine cellar and crack open something I'd usually feel guilty about drinking. And as a blogging addict, I also confess it's a time for me to catch up on writing my posts (and reading everyone else's, for that matter). Regardless of my own idiosyncrasies, I sincerely hope that Spend Matters readers have an "off switch" -- unlike me -- and can take the time to relax and set resolutions to make 2007 an even better year than 2006. So here's wishing everyone a peaceful and prosperous New Year and a relaxing day off.