Things You Can Only Rely On Yourself For

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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.

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