One

One thing I will learn: To get anywhere in life, you must take risks! Also, in order to make money, you have to spend money. There will be more on this later.

One place I will go: I will be going to Colorado later this year to visit family. If all goes well, we will be going to Europe as well. However, I don't really see that happening right away.

One physical habit I will break: I don't know if this will count, but don't be afraid to say no.

One physical habit I will cultivate: Working out at least 30 minutes a day; 3 to 5 times a week.

One mental habit I will break: I will try my hardest not to be negative and discouraged easily. It is so easily to compare myself to others, and see others have instant success, while I'm stuck at square one.

One relationship I’ll repair: I can't really think of any relationship that I need to "repair," but I would like to make all of my relationships even stronger than they are.

One work habit I will change: I want to work harder and to make sure I can do everything I can to succeed. Even if I "fail," I want to keep trying. I have to keep telling myself that you don't get anywhere by giving up. Plus, giving up is NOT an option.

One thing I’ll throw out: I'll throw out any garbage, boxes, or unnecessary papers.

A second thing I’ll throw out: I'll throw out any clothes that have holes in them.

One thing I’ll eat more often: Whatever I decide to cook at home.

One thing I’ll eat less: Fast food, I suppose.

One thing I’ll drink more: Water. Blah, even though I absolutely hate it.

One thing I’ll drink less: Well, I like the fact that I drink Diet Coke and that is NEVER going to change.

One resentment I’ll get over: I really don't try to hold grudges. I just try to forgive the person. There's no point in holding that baggage around after what's done is done.

One person I’ll treat more respectfully: Honestly, I try to treat everyone with respect. However, I can still do a better job, because I know sometimes it is easy to fall short.

One thing I’ll spend less money on: I would like to spend less money on credit card payments. Right now and until I pay them completely off, I will be spending $700-$1200+ on payments. My goal is to be completely credit card debt free by December 2013. With more and more payments, the less the minimum payment will be. Let's not get started on the student loans from my master's degree.

One other change I’ll make in my finances: I will continue to pay off my credit cards until they are completely diminished. I will also put aside money into a savings account for emergencies. I'm starting with something simple that won't break the bank.

One thing I’ll spend less time doing: Daydreaming. I need more action, instead of thinking. I need to put the ideas to work!

And a thing I’ll spend more time doing: After my hubby gets back from his deployment, it will definitely be spending time with him!

-----idea from Krystal from Krystal's Kitch