I know that for many of us, January is a pivotal month. Whether we call them resolutions, promises, initiatives or some other name, it all boils down to the fact that we are planning to start the year by making changes to one or more aspects of our lives. We determine to quit bad habits, acquire good habits, eat less, save more, etc. You know the drill. Unfortunately, these are the types of superficial changes that mask the real changes that need to take place in our lives.