Joy Chaussee

I will ride my bicycle to work every Friday, or once a week. Fifteen miles round trip.

I will spend 15 minutes each day maintaining a record of all my purchases and learning about my spending habits.

I will adopt a "Needs Vs. Wants" approach and only buy things I need.

I will write down three things every day that I am grateful for, or send one email every day thanking or praising someone.

I will de-clutter, clean, and donate or recycle unneeded items in my home.