Setbacks happen

Budget for the life you have. When you’re going through your budget and assigning spending categories, be realistic. 

Don’t tell yourself you’ll never buy a single discretionary item, because you’re setting yourself up for failure. Give yourself some breathing room.

1. Create a foundation of security.
2. Look your friends in the face and give them your full attention.
3. Help people understand and accept you. Be honest and stop pretending to be somebody cooler than you are.
4. As...

When you're trying to work through guilt, here's what you need to do:

• Distinguish between action and self;
• Accept responsibility;
• Make amends - apologize and make reparations;
• Take a problem - solving approach - look for solutions;
• Make better choi...