To me, the best time to turn over a new leaf isn't New Year's Day. It's still cold then, meaning the earth is still hibernating and so am I. I'm also just coming out of full holiday mode at the beginning of January -- probably not even back to work yet after whatever vacation I took to celebrate the season. I'm not ready to go from that state of being to making self-improvement plans and trying to be productive in any meaningful way.
"Pre-spring" is a much more natural time for that. It's getting a little warmer, which makes it easier to get in the mood for positive change. Lent also starts, so I'm already primed and ready to put the brakes on the old self-indulgence engine for a while. I've been in kind of a low energy funk for a while, but I feel pretty prepared for Ash Wednesday day after tomorrow. This is a challenging time of year for me, but an exciting one as well.
........
That said, I felt like trying to snag myself a real bank account and maybe a line of credit a few days ago. To my very pleasant surprise, I was actually approved for both. My credit's been such shit for such a long time, I've grown completely used to living a cash only lifestyle over the years. Apparently by now though, it's been so long since any credit problems I might have once had that I'm seen more as someone with no credit at all than I am a potential risk with bad credit. (I confirmed this with an actual credit check.)
