This year, resolve to change positively. Add a new, healthy habit instead of focusing on how bad you are. Set yourself up for success by trying one thing at a time and taking small steps. 2009 could be your year!

It's not a list of movies or books...it's YOUR year in review. How did you do at changing the things you wanted? Who supported you and needs your thanks? Let's ask ourselves how we got through 2008.

Rather than creating a to-do list of grand projects that you may or may not finish, break your day down into small, manageable tasks that will get you to your end goal. You'll be less stressed, and way more organized!

As we've learned this year, money comes and goes...and you don't need a whole lot of it to have a happy and festive holiday season. In fact, giving time is more important than receiving all year long. How will you give in 2009?