January

For new beginnings

For relaxation after the frenetic Christnas period.

Because it is the month in which my wife and I were married 55 years ago.

Because it is a month when our children and grandchildren have time away from work and study.

Because it is the month when generally sober up in terms of more wise and prudent spending than is the hallmark of November and December.

Because it is a turning point for those who make New Year resolutions – and stick to them.