If you've been putting off making a New Year's Resolution to exercise since you figure it's the first one you'll break, here's something you can do that will be good for you and won't require too much sweat. It will, however, require a little bit of time.

Now that you've received some holiday gifts -- possibly some pricey, some not -- it might not be a bad idea to make an up-to-date home inventory of your personal possessions.

Why in the world would anyone want to do that? For starters, the Insurance Information Institute, an industry tradegroup, says that taking stock of what you own helps you make the most of your insurance dollars. Senior V.P. of III Jeanne M. Salvatore says, "A home inventory lists all your personal possessions and their estimated value. This helps you to purchase the right amount of insurance and will make the claims process faster and easier if there is a fire, hurricane or other tyupe of disaster."

No one expects the worst to happen, of course. But when it does, the last thing you want to do is try to piece together the remnants of your life or remember every single item of value that you've lost.

For those of you who don't know where to start, the III has developed a software program called, Know Your Stuff, that allows you to enter, edit, print and store a home inventory. The newest version of this software can store multiple photographs of rooms and objects, and can handle large inventory files securely.