A new year begins today, with 2012 finally over and a new and exciting year ahead of us.

I wish you all a wondrous 2013 full of hope and joy.

For those of you glad to see 2012 over, remember hope is powerful. Having hope is never a bad thing either. This paraphrases Andy Dufresne from the Shawshank Redemption.

Happy New Year

All Those Happy New Years

Yes, for many years I have wished you a Happy New Year

• Happy New Year 2025 May this New Year find you safe and happy. 2024 was a year to remember for its turmoil, but find a way to make 2025 a better one. It’s time to get back to the gym and plan on staying out of debt. Enjoy the coming year! #Debt #NewYear #Resolution
• Happy New Year 2024! What will the year 2024 bring? Let’s hope it is a Happy New Year, but there is potential for a great deal of upheaval in the coming year. #NewYear #Happy2024
• Happy New Year 2022 and #MoneyTalk recapped a lot of 2021 and hoped that 2022 was going to bring some hope.
• A happy new year for 2021 ? Well it started pretty grotty, but it might get better.
• I must have had an inkling about 2020, as I didn’t wish you a Happy New Year to start things. Hopefully with this post I have helped make the year better?
• In 2019 I was too practical with Tangible Financial New Years Resolutions but still worthwhile thinking about it, eh?
• For Happy New Year 2018 I had a great photo of being stuck on the 401 during a snowstorm, and links to previous New Year Messages.
• 2017 I pointed out that you start paying CPP and EI again, so your net pay is going to be lower.
• 2016 Happy New Year, just didn’t happen, not sure why, must have been having a grinchy holiday?
• 2015 Happy New Year and I included a really bad joke about it being the year of the RAM in the Chinese Calendar.
• 2014 Happy New Year again I pointed out that CPP and EI rates were increasing as well, I really am a kill joy.
• 2013 was a Happy New Year, a celebratory Sunday was the photo to start the year.
• 2012 I used to post best of Twitter posts, and it seems to have fallen on a Sunday as well.
• Merry New Year! It All Starts again  was how 2011 started, and I included a bunch of resolutions in that article.
• 2010 New Year began with me in a new job, which was very nice, given I had been unemployed for a while.
• 2009 started a little bleak, in that I was unemployed, and was looking for a job, during a major economic crisis.
• Belated Happy and Prosperous New Year was how 2008 started, the economy was booming, employment was high, but there were hints of the systemic failure that was coming soon.
• Good Bye 2008, outlined the eventful year that it was for me. Things got better, but a lot didn’t go right that year.
• A New Year Brings Tax Breaks? The tax breaks appeared in 2007 but later disappeared, unfortunately.
• Happy 2007 a quieter year, we hoped.
• 2006 I was still figuring out what this whole thing would be, but I showed signs of a ranting good time.