Don’t get in the habit of buying something before you need it or because you think you might use it at some future date. Indulgence because you feel that you owe it to yourself or it will help your self-esteem is a very bad habit to get into.

You can develop habits that will insure financial success, regardless of how much or how little your income is. Many make very little over a lifetime, yet manage to save enough for a debt free and secure retirement.

Your thoughts on this subject? Your comments appreciated!

Content © Rich Brott, 2011

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