Woman(Photo: Courtesy of Women's Health)

1. Take stock.

How now, Dow Jones? That is the question. Bank bailouts?Sub-prime mortgages? If you're not confused, you aren't paying attention. But ignorance will cost you, so make a point of reading the financial section of your newspaper every day. Lesson No. 1: If your best friend loses her job, it's a recession. If you lose yours, it's a depression.

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2. Buy an item of clothing that's so not you.

Leather pants, stilettos, a bikini that, if translated into Morse Code, would be two dots and a dash.

3. Switch your Swatch -- to the other wrist.

"Any time you make an adjustment, no matter how small, your brain has to work a little harder," New York psychologist Arlene Kagle, Ph.D., says. "It's good mental exercise." Another noggin workout: Figure out a math problem in your head rather than on a calculator.

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4. Stop apologizing already!

This is probably silly... If this isn't a good time...With those soggy preambles, you're trivializing your requests -- and yourself.

5. And while we're at it: Stop apologizing for apologizing.

6. Read one of those books your English teacher talked about with such peculiar enthusiasm.

War and Peace, The Brothers Karamazov, Ulysses. This will give you a head start on a resolution for 2013: Finish War and Peace, The Brothers Karamazov, Ulysses...

7. Give something back.

Got 30 seconds? Go to greatergood.com to support sites that help people, pets, and the planet -- with one click you provide books to literacy programs, food for malnourished kids, or protection for endangered forests.

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