Unplug And Play

Turn off the computer and put away the Wii. Spend time on inexpensive activities that bring you pleasure, such as hosting a potluck dinner for friends. Break out your favorite board game, or romp in the sandbox with your toddler.

"Play connects you with other people and reminds you that, in the end, relationships are more important than money," says Lisa Kirchenbauer, president of Kirchenbauer Financial Management & Consulting.