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time bank

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Look carefully then how you walk, not as unwise but as wise, making the best use of the time, because the days are evil. (Ephesians 5:15-16, ESV) A blank page—a clean slate—a fresh start. Whatever we call it, we usually think of the new year as a beginning point, a chance to start over and correct our disappointments and failures of the past year. Many use the start of a new year as a time to reflect and to resolve. We are now into the second week of 2021, and many have already faltered in keeping their New Year’s resolutions.…