Changing Habits

I'm sitting on my bed in my new bedroom drinking coffee and trying to put into words my thoughts on habits.  I have many.  Some good, some bad, some in between.  What I'm trying to figure out now is how do I change those "bad" ones and create new "good" ones?

1.  Blogging.  I love reading blogs.  And I don't necessarily care if anyone reads mine, but I'd like to have one to regularly (or semi-regularly) update just to get it out into the world.  I've heard from a few people that the best way to do it is to sit down and write three or four, but then slowly release them.  It doesn't sound that exciting to me.  I want to write topically - things I'm thinking of at that moment.  

2.  Exercise.  UGH!  This non-existent habit has a lot to do with motivation.  I feel awesome after I do it - but it's getting to start that is so difficult.  Getting on the bike, putting on my tennis shoes, or popping in the 30-day Shred.  Maybe this has less to do with habit and more to do with routine.  If I make it part of my daily or weekly routine, does that make it easier?

3.  Budgeting.  I'm a worry-wart.  Money = 93.7% of all my worries.  And that pisses me off!  I have a very fortunate life, awesome friends, an amazing boyfriend, and a JOB (which I am very thankful for).  But I am always worried about money and savings and if I have enough to make it through - but make it through what?  The day?  The week?  The month?  The year?  That part I'm not sure.  If I were more strict about budgeting - I would hope that half of that worry would go away.  (It will never ALL go away - that's because I'm a worry-wart.)

Here I am blogging about these things (which takes care of #1), but now I have to take action.  Onward and upward.