Things You Can Only Rely On Yourself For
Financial self-discipline
So you want to develop better spending and saving habits. That is very good. You think you’ll ask a friend, “Let’s make a pact to shop less or to dine out less.” What happens when that friend says, “Screw it. Let’s go to a steak dinner?” You’ll cave. You can’t look to others for your self-discipline. They’re just as weak as you are.