Ushering in the new year calls for reflection, goal setting and an awful lot of well-meaning intentions of setting foot on a treadmill. Whether it’s the pressure of tradition or because you’re a sucker for self-improvement, setting resolutions and sticking to them can be either daunting or remarkable tasks. For some of you, that might mean getting your financial ducks in a row to buy a house. Figuring out where to get started might oddly resemble the ‘chicken or the egg’ question, but it doesn’t have to.