1. Charity-I will give NOTHING except Tithes and offering through mo LOCAL Church ONLY(so sorry Salvation Army and the like). 2. I am IMMEDIATELY starting to down size. GET RID OF THE EXCESS AND JUNK! 3. I am going to learn how to do MORE things for myself. Do-It-Myself will become order of the day. 4. I am going to get serious in my Religious and Prayer life. Start a home Bible Study on a weeknight. 5. Put more time and effort into my home life. 6. Get DEAD serious on finding ways to shelter my Finances from Obama and...