Bad management on your behalf does not constitute a crises in my life.

Formulating your goal and writing it down is not enough. You have to take consistent action!

You can change your life to become YOUR life.

You will be able to change your life to what you want it to be only by taking responsibility for your own actions.

You can pick any life area to set goals for – it does not have to be the one where things are going bad.

Don’t presume that your loved ones know that you love them – say it, and say it often!

To get more money to spend on yourself – don’t buy on credit!

Setting a goal that you’re not sure you want to achieve is a waste of time – you’ll never achieve it.

You can easily have more time available in your life to do what is important to you.

She is forever buying things because it is so cheap! That’s financial suicide.