Let's face it, 2011 was a hard year for just about everyone - especially those of us forced into unexpected caregiver roles or faced with the challenge of dealing with two sets of financials. The economy didn't quite bounce back as many of us had hoped, the job market was still rough for most, and retirement accounts didn't grow as fast as our eyes wanted. We can all sit around and whine, or we can be grateful for the fresh start that comes with the New Year. Regardless of your new goals for ...