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Elizabeth Avery: This is me after 2020

Instead of New Year’s Resolutions, reflect on how we have grown over the past year.

FILE - In this Jan. 1, 2019, file photo a "Happy New Year" hat lies on the wet ground along with other items following the celebration in New York's Times Square. Setting a New Year’s resolution about improving your finances is an excellent way to start 2021. But before you come up with a list of goals, be aware that there are a few you should avoid.  (AP Photo/Tina Fineberg, File)

FILE - In this Jan. 1, 2019, file photo a "Happy New Year" hat lies on the wet ground along with other items following the celebration in New York's Times Square. Setting a New Year’s resolution about improving your finances is an excellent way to start 2021. But before you come up with a list of goals, be aware that there are a few you should avoid. (AP Photo/Tina Fineberg, File)