Add a touch of sunshine in your day: Smell the roses, life is to be enjoyed.
Make a list for the next twelve months---
Your financial goals. Start small--eg. Pay off half the credit card.
Have the school fees in a jar. Open a Christmas Club Account.
Keep a reward tin- one you can't open.
Place a picture on the top to remind yourself why you are saving.
This doesn't happen overnight. Be patient.
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