This little fact filled image was on Facebook. When I read it, I realized I never look at the overall effect of changing a habit and the results it will have in a year. I started to think about the habits that make a difference, not only over an entire year but in managing life. Most of my small habits are for my convenience and for a feeling of well-being. How does a person consciously save $8/day. Giving up buying coffee has always been the front runner for saving money every day. Picking up a coffee on the way to work is a habit many people have, and I doubt they want to give up. I am not sure if this happens, but I do wonder how many parents stop on the way home from school to get a treat for their kids. Switching that out for a homemade treat would certainly be a way of saving money every day. I am not someone who reads a book very often. For some reason I have aspired to be a reader, but it just doesn't happen. It is hard for me to realize that by rea...