January has that fresh start energy — we’re motivated, optimistic and fully convinced this is the year we get our finances together. But between goal-setting, post-holiday reality checks and a few well-intentioned decisions, it’s surprisingly easy to slip into money habits that feel harmless in the moment and quietly make the rest of the year harder than it needs to be. “People repeat the same financial behaviors every January and call it a fresh start,” said Angela Matthews, personal finance expert and ...