Like many intermediate golfers, I am out there trying to find the magic formula that will lower mine and lower your handicap. Unfortunately, I haven’t found it yet. I have been able to lower my handicap by developing a series of habits. You can use these habits to lower your handicap as well. Habit number one was practice. Practice? Yes, practice. It took a bit of coordination and convincing the wife but putting myself on a regular practice schedule helped me make substantial strides in my handicap. Habit number two was stop wasting time with friends. In other words, when I am out on the course during my practice schedule I stay focused on doing exactly that. The third habit I formed is maintaining a journal. You’d be amazed how much you learn from yourself.