I can relate to the feeling of looking back on the year and realizing that you didn't accomplish much in the first month. It's important to set goals and make an effort to achieve them, rather than falling into the trap of procrastination. I like the idea of using Hive as a journal or diary to keep track of accomplishments and memories. It's also wise to plan ahead and think about strategies for tackling tasks, like going to the bank at a less busy time or being prepared with the right information to advocate for your needs. It's great that you were able to start the year off on the right foot by taking care of something that had been lingering for a while and even ended up getting some discounts and perks in the process. It's always satisfying to start the year off with a sense of accomplishment and determination to make positive changes.