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Turn off the TV

Spending too much time in passive activities, such as watching TV, will make you depressed, Klontz says.

That's especially true today, when we're bombarded with economic doomsday news at every turn. "The media presents anxiety and panic as a great story, so when you turn on the TV that's what you're going to see," Klontz says.

"If watching the stock market going up and down every five minutes makes you crazy, don't do it," says Gold.

Next: Avoid drugs and alcohol