Good habit #1 (provided by a loan officer I know--call me at 469.569.2968, if you need him!):
To improve your physical health, you don't have to join a gym or start training for marathons (unless that's what you absolutely love doing!). Just get yourself moving, every day. Instead of staring at a TV or computer screen for a couple of hours, get up and go for a 20-minute walk. Use the stairs instead of taking the elevator. Walk to some places you usually drive to. In nice weather, have a meeting with someone while taking them on a walk through the park. This was the favorite kind of one-on-one meeting for Apple founder Steve Jobs.