DOSTOYEVSKY

Even if you've missed a day or two it's important to remember that every day is a new day and yesterday has nothing to do with today.

Let yourself live and learn how to not beat yourself up because of missed habits. Life is too short to live with burden.

Once a budget is set up, it is not always that easy to stick to it. But that doesn't mean you have to give up because you've failed once or twice.

• Remember the big picture. A budget keeps you out of overwhelming debt and help you build to financial freedom.
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Now that you've written your speech down and practiced it more than a hundred times, you're about to go on stage to perform.

Remember the chunks you've written down and place your attention mostly on the things you want to say, because the how of the deli...