Have Fun

The idea is simple: You keep a record of all the behaviors you want to establish or abandon and, at the end of each day, you mark which ones you succeeded with. This record can be a single piece of paper, a journal, a calendar, or a digital tool, like an app.

1. Challenge yourself to accomplish a big task once a day, for five days a week, and take it to four weeks.
2. Keep a journal to record what works and what does not.
3. Do a review and learn from your journal or from other people who follow your progress.
4. Make it a shared ...

• Avoid immediate disaster. Request bill extensions or payments plans from creditors.
• Prioritize bills. See which bills must be paid first and set up a payment schedule based on your paydays.
• Ignore the 10% savings rule. It...