This is a great list and just what I needed to hear today. It's like you were reading my mind on some of these. Taking more risks, watching less TV, and getting on a real sleeping pattern are all things I've been trying to do lately. And this seriously inspired me to start a spreadsheet journal. I'm always overwhelmed by journaling, but I can do a spreadsheet. So thanks and great post!!
As a former waitress, I only leave 15% if the service was horrible. Most of the time I leave 20-30% and I just mentally add that into what I budget to spend for dinner or drinks. I agree with others and you, though, about tipping getting out of control. At Christmas time especially, I look at tipping guides and I'm floored. If I used all the services that some people do, I would spend $100s tipping!