Gregory,
For an abstract word like "habit" i think, in order to hang stuff on it, you also need to have a vivid picture of a person w/ a particular habit. I have 11 as knock b/c i used the | | to draw a door. So for me, my K = knock & i see a DOOR which is my peg word. For my U=underage, i see a 14 yr. old kid w/ a silly smile trying to act big-shot. I hang my info on the kid.
You probably already do this. Since we have not mentioned it, i thought it might be timely
Thanks, Imagineez 
enjoy your input
