5. Get out of Debt/Save Money

The economy is hurting and even Madonna is feeling the pinch. She just paid out a reported $92 million settlement to ex-hubby Guy Ritchie. We're sure this material girl is smart enough not to get hitched (sorry, A-Rod) in the year to come.

Between charges leveled at billionaire Mark Cuban for insider trading and Helio Castroneves' IRS trouble (conspiracy and tax evasion), the two former "Dancing With The Stars" contestants should be planning how to tap dance out of the long reach of the law.

The U.S. housing crisis has left nobody immune: First Ed McMahon admitted his house was in foreclosure and the end of the year brings news that similar fates have befallen American Idol Fantasia Barrino, TLC's T-Boz and Atlanta 'Desperate Housewife' NeNe Leakes. It would be folly for these unfortunates not to resolve to save their homesteads or find a new hearth upon which to hang their stockings next year.