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BRITISH credit card holders now owe an average of £2,200 on their plastic and with retailers reporting a slump in sales not seen for two decades, it is clear that shoppers are reining in their spending. In short, it’s payback time.

To clear a debt of £2,200 on a card that attracts an interest rate of around 15% will take more than two years assuming a monthly repayment of £100. There are, however, plenty of simple ways to make significant savings on your regular spending that could clear the debt many times over in less than a year.

Here are This is Money’s top 50 money-saving tips.

1. Change your attitude to your mortgage
The most expensive item you are ever likely to buy is your home. If you’re not in the privileged position to pay cash, make sure the loan you use to finance it is the best available. For example, if you are paying your lender’s full standard variable rate (SVR) you are probably paying hundreds of pounds a year more than you need to. There are thousands of deals to choose from and while it is vital to check the small print for hidden catches, this is a relatively easy way to save a lot of money. Remember: loyalty to your bank benefits your bank, not you. Even better, if you can afford to make overpayments on your mortgage, you’ll clear your debt several years early and make massive savings. For example, if you borrow £100,000 at 6% over 25 years, you’ll pay it back at £643 a month. The total charge for credit will be £93,000. But if you can overpay by £100 a month you’ll clear the loan in less than 19 years, giving you 6 years of mortgage-free living and saving a staggering £25,000 in interest.
Saving: £1,000s
Links: This is Money mortgage finder; mortgage calculators; mortgage guides

2. Clear your credit card debt
One of the golden rules of financial planning is to clear your most expensive debts first, in other words your credit cards. OK, credit cards offer a convenient way to pay for goods and services but if you can’t clear the balance every month, consider a low-cost loan as an alternative. Do the sums: a credit card debt (APR 15%) of £2,200 over three years will cost £545 in interest. A loan at 6% will cost £209. A saving of £336.
Saving: £100s
Link: This is Money credit card finder

3. Cut the cost of your fuel bills
As the global demand for power threatens to outstrip supply, prices are rising. But that doesn’t mean you need to be ripped off. The domestic market for fuel is a competitive one and you can change supplier with a few clicks of the mouse. Your new supplier will take care of the formalities - you just pay less every month.
Saving: £100
Link: Slash your fuel bills with This is Money

4. Consider installing a water meter
We take our tap water for granted. And why not? The companies behind the supply exist to make a profit, we pay them to supply water and have every right to expect it to flow from our taps. But if it doesn’t rain, supply runs dry and the price goes up. So you may want to consider the possibility of installing a meter. If you have a big home with few occupants you may be surprised to learn you could halve your annual bill.
Saving: £100s
Link: uSwitch.com water calculator

5. Cut your home phone bills
BT may seem to behave like a monopoly but it most definitely is not one. If you must use your phone there are scores of cheaper alternatives from cable companies that package your telephone, television and even broadband internet access to low-cost dial-up services that give you access to cheaper calls using your existing BT line.
Saving: £100
Link: Cut your phone bills with This is Money

6. Consider a pay-as-you go mobile
Ask yourself this: is your mobile phone absolutely necessary? If the answer is yes, then ask yourself whether you really need all those minutes and texts that come as part of your package. If you hand over £50 a month to your mobile phone company, that’s £600 a year – or around £1,000 of your gross salary. But you can buy a pay-as-you-go phone for as little as £30 and only pay for the odd call as and when you need to.
Saving: £100s
Links: Easymobile; Orange

7. Make a shopping list
Food shopping forms a significant part of our monthly outgoings and the supermarket is where the bulk of the money is spent. Tesco takes £1 in every £8 spent by UK shoppers. But be warned, stores spend a small fortune studying ways of making us part with more of our money than we would otherwise intend to. Have you ever wondered why your favourite song is playing in the background as you navigate the aisles? Have you even noticed the background music? Possibly not, but you will have noticed at the checkout that the bill is often more than expected. To circumvent this, simply make a shopping list. Dig out the cookery books, plan a few meals and only buy what you need.
Saving: £10 a week = £520 a year
Link: Tesco

8. When was the last time you went to the market?
One way to beat the supermarkets - that is, to eat healthily for less - is to use your local market stall. Lower overheads should mean lower prices. At the time of writing, cherries were on sale in Asda for £2.99 for 400g, the equivalent at the local market was going for just over £1.
Saving: £100+

9. Consider own-brand goods
You can buy a tin of Asda own-brand baked beans for 14p and a loaf bread at Asda, Tesco or Sainsbury’s for 19p. Enough said.
Saving: £100
Link: Asda, Sainsbury’s

10. Don’t buy designer labels
Celebrities are given expensive clothes to wear. You’re not. At the end of the day, and let’s face it you may only wear the outfit once, can you justify paying hundreds of pounds over the odds because a top designer has had his or her name sewn on the label? And can you honestly say you can tell the difference at a distance between a £600 designer bag and a £9.99 one from the market? Think about it.
Saving: £100s
Link: Prada - note the total lack of prices

11. Sell your clutter on eBay
Take this quick test: You’re at home. Open a cupboard. Look inside. If it’s full of clothes you haven’t worn, or ‘good ideas a the time’ you haven’t used, for, let’s say, three years - you don’t need them. So why not sell them to someone else who does? Ebay, the online auction house, has opened individual sellers to a world of buyers. And you can flog anything for the cost of a small commission. Tip: you may want to buy a few items first to build up your rating as a respectable eBayer before you start selling.
Income: Will depend on what’s in your cupboard
Links: www.eBaybay.co.uk; ‘I’m making money from eBay’

12. Use your talent to earn extra cash
Let’s face it, if you’re not a pop star by the time you reach your 20s you’re never going to be. But you may be able to use your talent as a guitarist to teach other wannabes the rudiments of the 12-bar blues.
Income: It’s not unreasonable to charge £20 an hour

13. Do DIY
We’re a nation of obsessive DIYers and for around £100 you can take a course at your local adult education college to improve the skills needed to tackle most household repairs. If the college runs plumbing courses you could soon be on track to wiping out costly call-out charges and extra insurance policies once and for all.
Saving: £100+

14. Shop around for the cheapest household insurance
Unless you drive – car insurance is mandatory - you don’t need insurance. But it’s strongly advisable. Can you afford to foot the bill if your house burns down? Probably not. Similarly, can you afford to pay over the odds for the same policy available elsewhere because you can’t be bothered to shop around? Possibly, but it’s not advisable. The internet has made finding cheaper insurance easy and you can compare hundreds of policies in minutes.
Saving: £100s
Link: This is Money’s insurance finder

15. Don’t automatically renew annual travel insurance
If your annual holiday insurance policy is about to expire and you don’t have a holiday booked, DON’T renew the policy. You’re handing your money over to cover an eventuality that won’t happen. You wouldn’t have car insurance if you didn’t own a car. Simply restart the cover again the next time you book a trip.
Saving: £50
Link: This is Money’s travel insurance finder

16. Choose cheaper breakdown insurance
The breakdown sector is dominated by big names such as the AA and RAC. But being towed home if your car breaks down is just another form of insurance like any other and there are scores of cheaper alternatives.
Saving: Up to £100 a year
Link: This is Money’s breakdown insurance finder

17. Are you paying too much for your life insurance?
We’re living longer. As a result the cost of insuring the unthinkable is getting cheaper all the time. If you were sold a policy when you took out or mortgage you may have been under too much stress to shop around. You could be missing a trick.
Saving: £100
Link: This is Money’s life insurance finder

18. Book early
Low-cost airlines have created a market in holidays for people prepared to fly to any destination provided it’s cheap. You can benefit from this too. Just remember, only a few seats on each flight are sold at bargain-basement prices and once they’re sold, the prices rise. So book early.
Saving: £100
Link: Skyscanner - the air fares comparison site

19. Book your own ‘package’ holiday online
The popularity of High Street travel agents is waning as more and more people warm to the benefits of researching and putting together their own holidays on the internet. If your holiday consists of flights, accommodation, transfers and possibly car hire, then take this test. Order a brochure from a leading holiday company and work out the price of your holiday including all the complicated supplements. Now go online and, starting with the flights, try to put the same package together.
Saving: £100+
Links: This is flights, HotelClub.co.uk, Shuttle Direct, Holiday Autos

20. Learn to say ‘no’
It’s easy to capitulate to the demands of a screaming child in a packed Woolworths on a Saturday afternoon. But don’t do it. Similarly, how often does a ’swift half’ after work turn into a £40 drinking session? Saying ‘no’ a few times a year will do wonders for your bank account.
Saving: £100

23. Don’t pay full price for theatre or theme park tickets
If you are prepared to tolerate the unwieldy website and hit-and-miss customer service, lastminute.com regularly boasts some amazing deals for London’s theatres and the nation’s theme parks. At the time of writing you can see top West End show The Producers plus a two-course meal for less than £20 a head, a saving of £60 per person, and tickets for Chessington World of Adventures cost from £12, a saving of nearly £50 for a day out for a family of four.
Saving: £100s
Link: www.lastminute.com

24. Beat the ticket touts
Ticket touts earn their living by getting hold of tickets that are ‘otherwise unavailable’. Well, here’s the news: they are available to everyone when they first go on sale. You just need to know when they go on sale. Simply sign up to for the free ticket alert newsletters from the main agents to ensure that you’re first in the queue.
Saving: £100s
Links: Ticketline; Ticketmaster

25. Stop trying to keep up with the Joneses
Trying to keep up appearances is little more than a costly illness. Remember, you cannot judge someone by what they have because you don’t know how they got it. Chances are they’re in more debt than you are.
Saving: £1,000s
Link: This is Money’s guide to getting out of debt

26. Trade down your car
So, you bought an American sports utility vehicle (SUV) that nets 15 miles to the gallon on a whim. Obviously we’re all very impressed – especially by the personalised number plate. But can you honestly justify the ongoing expense? If not, get rid of it. Then visit a car supermarket, where you can choose from thousands of cars at knock-down prices. If you’re a true money saver, consider an ex-rental model which you can pick up for a fraction of the cost of a new one.
Saving: £1,000s
Links: Daily Mail find a car service; Cargiant

27. Ask yourself: do I really need this?
Imagine the scenario. It’s lunchtime and you’ve got an hour to kill. You find yourself in a department store and there’s a sale on. You pick up a beautifully packaged selection of barbecue tools and associated garden paraphernalia. And it’s half price. Now, stop! Ask yourself: Do I really need this? Exactly. Now, put it down and walk away.
Saving: £100
Link: This is Money’s money savers’ guides

28. Walk/cycle to the station/work
It maybe a bit of hippie notion to many people but it’s free.
Saving: £100
Link: Cycle Campaign Network

29. Get off the station before your usual stop and walk
We may be creatures of habit but isn’t it worth tinkering with the routine if it’s costing more than £50 a month in unnecessary fares?
Saving: £100
Link: Living Streets

30. Cut down your drinking
A few beers after work a few nights a week is a financially debilitating state of affairs. Set limits and stick to them.
Saving: £100s
Link: Calculator: Pleasures v treasures

31. Pack up smoking
Never mind the health implications, the guilt and the smell, your 20-a-day habit is costing you nearly £2,000 a year. Pack it in.
Saving: Nearly £2,000
Link: Givingupsmoking.co.uk

32. Cancel your gym membership
If you pay your £40 a month by direct debit and you use the gym three times a week, great. If not, cancel your membership immediately. You’ll soon save enough to buy your own bike and, if you’re so inclined, a rowing machine. Consider running home from work three times a week. It’s free.
Saving: £100s
Link: Compare prices for rowing machines on Kelkoo

33. Use your library
The local library is a mecca for the money saver. You’ll never need to buy another cookbook, guidebook or lifestyle manual again and if you can bear to wait a few weeks in the queue for the latest blockbuster, you never need to buy books again. CDs and videos are great value too.
Saving: £100
Link: www.whichbook.net - find a book and check if it’s available at your local library

34. The three-for-two trick
Now, there’s a lot to be said for buy-one-get-one-free deals, especially if they pass the ‘Do I really need this?’ test. Then there’s three-for-twos; a particularly cynical way of stores to entice shoppers to buy an extra item they would not otherwise buy. The ‘offer’ is always priced into the deal so do your sums and shop around.
Saving: It’s a principle at stake here
Link: Discuss deals and scams with other readers

35. Buy clothes and presents in the sales
So you need a new suit and the one you like comes in at a cool £300. Wait! The chances are that you can pick it up in the sale – and there’s always a sale just around the corner – for £150. The same applies for birthday and Christmas presents. Buy in bulk in the sales and you not only save money, but you enjoy stress-free pre-Christmases and no last-minute birthday worries.
Saving: £100s

37. The Christmas lottery
Instead of trying to buy a present for every relative in your family, consider getting together beforehand and picking one name from the hat. You then buy one thoughtful gift for that one person rather than attempting to please everyone at considerable cost. Everyone gets a present, everyone saves money.
Saving: £100

38. The National Lottery – it won’t be you!
The odds of winning the Lotto jackpot are stacked 14m to 1 against each ticket. Some highly organised syndicates buy 14,000 tickets a week, which reduces the odds to 1,000 to 1 - but that’s no guarantee of a win. For the rest of us, the difference to the odds between buying, say, 10 tickets and one is so insignificant that you should limit yourself to the one and save the extra money in a Cash mini Isa.
Saving: £100
Link: Are you sitting on a winning ticket?

39. Use your Isa allowances
If you’re not already aware, you can save up to £3,000 a year in a tax-free savings account called an Isa (for the more financially savvy there’s also a stocks and shares Isa). It means you don’t pay any tax on the interest accrued so, if you have spare cash in your current account, this is the difference between earning next to no interest and up to £150 a year.
Saving: £100+
Link: Best Isa rates

40. Claim your benefits and tax credits
There was once a certain stigma in Britain attached to claiming benefits. Well, not any more. The Government has put benefits at the heart of the family budget and it’s your money so make sure you’re claiming it. That includes Child Benefit, Working Tax Credit, Child Tax Credit and other employee-related tax benefits.
Saving: £100s
Link: Confused? Ask a This is Money Expert

41. How saving £50 a month now can save you £120 next year
Do you pay your insurance premiums by monthly instalments? If you do, then consider this: you are probably being charged a premium of between 15% and 20% for the privilege. In other words, if your home and car insurance bill for the year is £600, you’re paying up to £120 a year in interest by paying monthly. If you are in a position this year to save up for next year’s premiums in advance, you can save money by paying the whole lot in one go.
Saving: £100+
Link: This is Money’s best savings rates

42. Do you need all those TV channels?
Britain is switching to digital-only television and time is running out for you to choose your new digital TV provider. The choice is already bewildering and with telephone-based services now being launched it’s going to get more complicated. Packages range from full the monty, including every sports and movie channel costing around £50 a month, down to Freeview, which is free. Choose wisely.
Saving: £100+

43. Bin the ready meals
If TV chefs such as Ainsley Harriott can knock up a meal from a bag of random groceries including an aubergine and a packet of sultanas – so can you. Ready meals may be convenient, but preparing your own food saves money. A visit to your library will reveal scores of books dedicated to cooking proper meals in minutes.
Saving: £100+

44. Take up a money-saving hobby
Hobbies not only open your mind to new experiences but they also take up your time – important if you would otherwise spend it in the pub drinking away your hard-earned money. If a painting takes 20 hours to complete, and you normally get through a pint an hour. That’s a saving of a least 40 quid a picture. Think about it. Get painting. Go fishing.
Saving: £100+

45. Avoid the payment protection racket
Banks and other lenders are selling expensive insurance policies to cover loan repayments to people who don’t need it. Don’t be a victim of the hard-sell.
Saving: £100

46. Avoid extended warranties
Electrical goods are more reliable than ever. If your new radio won’t last three years perhaps it’s not worth buying in the first place. Think about it: how many times has your fridge broken down in the last five years? And do you really need the hassle of claiming for repairs to a £15 toaster?
Saving: £100
Link: Read our guide to extended warranties

47. Shop online
The internet is gradually taking over. Online grocery shopping is getting better all the time and there are plenty of comparison websites to help find the best prices for bigger items. Give it a try, unless of course you like fighting your way through supermarket crowds.
Saving: Your sanity
Links: Online grocery service rated; PriceRunner - price comparison site

48. The Citizen’s Advice Bureau is your friend
If your debts are out of control please seek help immediately from your local CAB – their advisers can help you work out a sensible strategy to get you back on your feet.
Saving: It could save your life
Link: Find your local CAB

49. Have I missed any money-saving ideas?
You can now add your comments to the Money Saving Overflow
Link: Find out more at 50 more ways to save money

50. Save this article or send it to a friend
Use the links at the bottom of the page to send these money-saving tips to a friend or save it for yourself for later.

Earning money is earning money regardless of which new toy you wish to purchase. Cashflow is the key. Here are some ways to get more flow towards you and eliminate cashflow away from you when it makes sense financially.

Steps

1. Find a job, start a business, negotiate extra chores that someone will pay you to complete, or find contract work. Do something that is legal and pays. It’s even better if you get something that pays and that you enjoy doing, but don’t let enjoyment stand in the way of earning a living.
2. Look for ways to save and budget for your toy purchases. Or, find ways to get a raise, or pick up a second income. A quick way to save is to eliminate lunches and dinners out and also eliminate "designer" coffee and soda from restaurants, fast food joints and convenience stores. Most people, this author included, can find many ways to save if we take a close look at our cashflow. There are probably lots of current expenses you can eliminate.
3. Once you receive positive cash from one of the above sources, set aside a portion of your earnings, and or new found savings, each pay period until you have saved for your new toy. This may be one pay period or many pay periods.
4. Avoid paying "convenience" fees whenever possible. An example of a convenience fee would be purchasing a 12 ounce soda at an event or restaurant for a $1.00, $2.00 or more, when you can buy the same soda for $.50 or less when you purchase them at a grocery store. If you track your money closely you may find many "convenience fees" that can be avoided daily.

A powerful personal growth tool is the 30-day trial. This is a concept I borrowed from the shareware industry, where you can download a trial version of a piece of software and try it out risk-free for 30 days before you’re required to buy the full version. It’s also a great way to develop new habits, and best of all, it’s brain-dead simple.

Let’s say you want to start a new habit like an exercise program or quit a bad habit like sucking on cancer sticks. We all know that getting started and sticking with the new habit for a few weeks is the hard part. Once you’ve overcome inertia, it’s much easier to keep going.

Yet we often psyche ourselves out of getting started by mentally thinking about the change as something permanent — before we’ve even begun. It seems too overwhelming to think about making a big change and sticking with it every day for the rest of your life when you’re still habituated to doing the opposite. The more you think about the change as something permanent, the more you stay put.

But what if you thought about making the change only temporarily — say for 30 days — and then you’re free to go back to your old habits? That doesn’t seem so hard anymore. Exercise daily for just 30 days, then quit. Maintain a neatly organized desk for 30 days, then slack off. Read for an hour a day for 30 days, then go back to watching TV.

Could you do it? It still requires a bit of discipline and commitment, but not nearly so much as making a permanent change. Any perceived deprivation is only temporary. You can count down the days to freedom. And for at least 30 days, you’ll gain some benefit. It’s not so bad. You can handle it. It’s only one month out of your life.

Now if you actually complete a 30-day trial, what’s going to happen? First, you’ll go far enough to establish it as a habit, and it will be easier to maintain than it was to begin it. Secondly, you’ll break the addiction of your old habit during this time. Thirdly, you’ll have 30 days of success behind you, which will give you greater confidence that you can continue. And fourthly, you’ll gain 30 days worth of results, which will give you practical feedback on what you can expect if you continue, putting you in a better place to make informed long-term decisions.

Therefore, once you hit the end of the 30-day trial, your ability to make the habit permanent is vastly increased. But even if you aren’t ready to make it permanent, you can opt to extend your trial period to 60 or 90 days. The longer you go with the trial period, the easier it will be to lock in the new habit for life.

Another benefit of this approach is that you can use it to test new habits where you really aren’t sure if you’d even want to continue for life. Maybe you’d like to try a new diet, but you don’t know if you’d find it too restrictive. In that case, do a 30-day trial and then re-evaluate. There’s no shame in stopping if you know the new habit doesn’t suit you. It’s like trying a piece of shareware for 30 days and then uninstalling it if it doesn’t suit your needs. No harm, no foul.

Here are some examples from my own life where I used 30-day trials to establish new habits:

1) In the Summer of 1993, I wanted to try being vegetarian. I had no interest in making this a lifelong change, but I’d read a lot about the health benefits of vegetarianism, so I committed to it for 30 days just for the experience. I was already exercising regularly, seemed in decent health, and was not overweight (6′0″, 155 lbs), but my typical college diet included a lot of In-N-Out burgers. Going lacto-ovo vegetarian for 30 days was a lot easier than I expected — I can’t say it was hard at all, and I never felt deprived. Within a week I noticed an increase in my energy and concentration, and I felt more clear-headed. At the end of the 30 days, it was a no-brainer to stick with it. This change looked a lot harder than it really was.

2) In January 1997, I decided to try going from vegetarian to vegan. While lacto-ovo vegetarians can eat eggs and dairy, vegans don’t eat anything that comes from an animal. I was developing an interest in going vegan for life, but I didn’t think I could do it. How could I give up veggie-cheese omelettes? The diet seemed too restrictive to me — even fanatically so. But I was intensely curious to know what it was actually like. So once again I did a 30-day trial. At the time I figured I’d make it through the trial, but I honestly didn’t expect to continue beyond that. Well, I lost seven pounds in the first week, mostly from going to the bathroom as all the accumulated dairy mucus was cleansed from my bowels (now I know why cows need four stomachs to properly digest this stuff). I felt lousy the first couple days but then my energy surged. I also felt more clear-headed than ever, as if a “fog of brain” had been lifted; it felt like my brain had gotten a CPU and a RAM upgrade. However, the biggest change I noticed was in my endurance. I was living in Marina del Rey at the time and used to run along the beach near the Santa Monica Pier, and I noticed I wasn’t as tired after my usual 3-mile runs, so I started increasing them to 5 miles, 10 miles, and then eventually a marathon a few years later. In Tae Kwon Do, the extra endurance really gave a boost to my sparring skills as well. The accumulated benefits were so great that the foods I was giving up just didn’t seem so appealing anymore. So once again it was a no-brainer to continue after the first 30 days, and I’m still vegan today. What I didn’t expect was that after so long on this diet, the old animal product foods I used to eat just don’t seem like food anymore, so there’s no feeling of deprivation.

3) Also in 1997, I decided I wanted to exercise every single day for a year. That was my 1997 New Year’s resolution. My criteria was that I would exercise aerobically at least 25 minutes every day, and I wouldn’t count Tae Kwon Do classes which I was taking 2-3 days per week. Coupled with my dietary changes, I wanted to push my fitness to a new level. I didn’t want to miss a single day, not even for sick days. But thinking about exercising 365 days in a row was daunting, so I mentally began with a 30-day trial. That wasn’t so bad. After a while every day that passed set a new record: 8 days in a row… 10 days… 15 days…. It became harder to quit. After 30 days in a row, how could I not do 31 and set a new personal record? And can you imagine giving up after 250 days? No way. After the initial month to establish the habit, the rest of the year took care of itself. I remember going to a seminar that year and getting home well after midnight. I had a cold and was really tired, yet I still went out running at 2am in the rain. Some people might call that foolish, but I was so determined to reach my goal that I wasn’t going to let fatigue or illness stop me. I succeeded and kept it up for the whole year without ever missing a day. In fact, I kept going for a few more weeks into 1998 before I finally opted to stop, which was a tough decision. I wanted to do this for one year, knowing it would become a powerful reference experience, and it certainly became such.

4) More diet stuff…. After being vegan for a number of years, I opted to try other variations of the vegan diet. I did 30-day trials both with the macrobiotic diet and with the raw foods diet. Those were interesting and gave me new insights, but I decided not to continue with either of them. I felt no different eating macrobiotically than I did otherwise. And in the case of the raw diet, while I did notice a significant energy boost, I found the diet too labor intensive — I was spending a lot of time preparing meals and shopping frequently. Sure you can just eat raw fruits and veggies, but to make interesting raw meals, there can be a lot of labor involved. If I had my own chef, I’d probably follow the raw diet though because I think the benefits would be worth it. I did a second trial of the raw diet for 45 days, but again my conclusion was the same. If I was ever diagnosed with a serious disease like cancer, I’d immediately switch to an all raw, living foods diet, since I believe it to be the absolute best diet for optimal health. I’ve never felt more energetic in my life than when I ate a raw diet. But I had a hard time making it practical for me. Even so, I managed to integrate some new macrobiotic foods and raw foods into my diet after these trials. There are two all-raw restaurants here in Vegas, and I’ve enjoyed eating at them because then someone else does all the labor. So these 30-day trials were still successful in that they produced new insights, although in both cases I intentionally declined to continue with the new habit. One of the reasons a full 30-day trial is so important with new diets is that the first week or two will often be spent detoxing and overcoming cravings, so it isn’t until the third or fourth week that you begin to get a clear picture. I feel that if you haven’t tried a diet for at least 30 days, you simply don’t understand it. Every diet feels different on the inside than it appears from the outside.

This 30-day method seems to work best for daily habits. I’ve had no luck using it when trying to start a habit that only occurs 3-4 days per week. However, it can work well if you apply it daily for the first 30 days and then cut back thereafter. This is what I’d do when starting a new exercise program, for example. Daily habits are much easier to establish.

Here are some other ideas for applying 30-day trials:

• Give up TV. Tape all your favorite shows and save them until the end of the trial. My whole family did this once, and it was very enlightening.
• Give up online forums, especially if you feel you’re becoming forum addicted. This will help break the addiction and give you a clearer sense of how participation actually benefits you (if at all). You can always catch up at the end of 30 days.
• Shower/bathe/shave every day. I know YOU don’t need this one, so please pass it along to someone who does.
• Meet someone new every day. Start up a conversation with a stranger.
• Go out every evening. Go somewhere different each time, and do something fun — this will be a memorable month.
• Spend 30 minutes cleaning up and organizing your home or office every day. That’s 15 hours total.
• List something new to sell on ebay every day. Purge some of that clutter.
• Ask someone new out on a date every day. Unless your success rate is below 3%, you’ll get at least one new date, maybe even meet your future spouse.
• If you’re already in a relationship, give your partner a massage every day. Or offer to alternate who gives the massage each day, so that’s 15 massages each.
• Give up cigarettes, soda, junk food, coffee, or other unhealthy addictions.
• Become an early riser.
• Write in your journal every day.
• Call a different family member, friend, or business contact every day.
• Make 25 sales calls every day to solicit new business. Professional speaker Mike Ferry did this five days a week for two years, even on days when he was giving seminars. He credits this habit with helping build his business to over $10 million in annual sales. If you make 1300 sales calls a year, you’re going to get some decent business no matter how bad your sales skills are. You can generalize this habit to any kind of marketing work, like building new links to your web site.
• Write a new blog entry every day.
• Read for an hour a day on a subject that interests you.
• Meditate every day.
• Learn a new vocabulary word every day.
• Go for a long walk every day.

Again, don’t think that you need to continue any of these habits beyond 30 days. Think of the benefits you’ll gain from those 30 days alone. You can re-assess after the trial period. You’re certain to grow just from the experience, even if it’s temporary.

The power of this approach lies in its simplicity. Even though doing a certain activity every single day may be less efficient than following a more complicated schedule — weight training is a good example because adequate rest is a key component — you’ll often be more likely to stick with the daily habit. When you commit to doing something every single day without exception, you can’t rationalize or justify missing a day, nor can you promise to make it up later by reshuffling your schedule.

Give trials a try. If you’re ready to commit to one right now, please feel free to post a comment and share your goal for the next 30 days. If there’s enough interest, then perhaps we can do a group postmortem around May 20th to see how it went for everyone. I’ll even do it with you. Mine will be to go running or biking for at least 25 minutes or do a minimum 60-minute hike in the mountains every day for 30 days. The weather here in Vegas has been great lately, so it’s a nice time for me to get back to exercising outdoors.