Change Your Habits

Habit change is not easy—anyone on a diet can tell you that—but it is often where the biggest returns can be. The best of these investments don’t take any money at all and often very little time; all that is required is attention. What does it cost to turn off lights when you leave a room? That's right, it doesn’t cost anything! But it results in lower energy bills. Or consider annual gas savings if you go to the grocery store half as often or ride your bike instead of drive. Making minor adjustments to acts of daily living can deliver a high return on investment.