Tuesday is Shrove Tuesday and that means that Wednesday is Ash Wednesday, and thus Lent begins for we Christians.
Lent can be used for spiritual reasons, but it can also be used for self-improvement and betterment.
Remember you can give up things in a traditional Lenten fashion like giving up a $4.00 Latte per day, or coffee in general (I did that one year and my wife made me give up that vow because I was driving her crazy). You can also ADD things for Lent that make you a better person (like exercise or eating fresh fruit).
This time is also a good time to start thinking about Financial plans to see how you can do for a short period (40 days), like bringing your lunch to work, instead of buying it? How about making a financial plan for 40 days and sticking to it?
Whatever you do, plan to try something, and see how well you do!