Regardless of bank balance, job security, assets or possessions, the majority of people stress about money. Indeed, some of the wealthiest people I know seem to stress the most.

 I initiated the following habit last year and it has proved to be so worthwhile, easy to maintain and rewarding.


Quite simply, I put a set amount of cash into my wallet every Saturday, which I withdraw from a hole in the wall.

Those dollars I use to pay for all my food, occasional alcohol, toiletries, vitamins, make-up, outings, haircuts and manicures. If towards the end of the week, the contents of the wallet are looking a bit lean, it simply means I really only buy the barest of essentials.

If I HAVE to use a credit card because I have totally run out because my hair cut coincided with an unavoidable expense, I simply take that amount off the money I withdraw on the following Saturday.

This has been the most liberating habit I have ever undertaken. It feels good. I don’t have to worry about what I am spending because it fits in with my overall budget for the year.

I don’t feel guilty about any money I spend and I don’t feel deprived, even though I am meticulous around buying certain items, like my coffee, when it is on sale.

Best of all, it stops any temptation to buy miscellaneous items I simply do not need. In the past, I couldn’t shop at Aldi without buying something from those central aisles.

This may, or may not, work for you. It works for me. The rewards far outweigh any discipline I required to start the process. Now, it’s simply a habit.

I will push you onward or drag you down to failure

I am at your command

Half the tasks that you do, you might as well turn over to me

I will do them quickly and correctly

​I am easily managed

You must simply be firm with me

Show me exactly how you want something done and,

after a few lessons, I will do it automatically

I am the sermon of all great people and a lash of all failures as well

Those who are great, I have made great

and those who are failures, I have made failures

I am not a machine, but I work with all the precision of a machine

plus the intelligence of a person

You may run me for profit or run me for ruin – it makes no difference to me

Take me, train me and be firm with me and I’ll lay your work at your feet

But be easy with me and I’ll destroy you

Who am I?

HABIT is my name










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