[SpacecityPaula]

It's funny you post this Roland, because when I started exercising a year or so ago, I made a commitment to myself to do something for 20 minutes every day for 21 days... It helped get me on the way to moving. Honestly, I'm not sure what really kept me on track despite foot problems. My boyfriend was very encouraging (and still is) with my change in life style. But I've long suspected that it takes way longer than 21 days to change a habit.

If you listen to Dave Ramesy at all, he says it takes 3 months from the time you start working with a budget to get it tweaked to the point where its liveable. So that kind of blows the 21 days right out of the water when it comes to money. I still haven't quite gotten to the point you are at with exercise though. I don't necessarily miss it if I don't do it althought I'm getting there.