Remember that the definition of insanity is doing the same thing over and over and expecting different results. So then, why do we do it?
I either read it somewhere or heard it, that people won’t change until the pain is too great. Why do we wait? I think that some people just like to play the victim instead of the victor. They like to feel pitied instead of praised.
Why not make just one tweak and watch it ripple into your life? Don’t wait until you are on the verge of foreclosure or bankruptcy to change your financial habits.
To the victor go the spoils!