02- The present moment is the only thing you have.

03- Don’t buy lots of stuff, only buy the stuff you really love.

04- Declutter Magazines, DVD’s, and Books every six months.

05- Sell the extra stuff you have.

06- If you take it out, put it back.

07- If you take it off, hang it up.

08- If you throw it down, pick it up.

09- If you open it, close it.

10- Get a library card.

11- Sleep well.

12- Drink your coffee black.

13- Go to the grocery store with a calculator.

14- Bring cash instead of using your debit card.

15- Take inventory before going to the grocery store to avoid buying repeated items.

16- Only use your credit card for emergencies.

17- Pay down your debt.

18- Make a six month emergency fund.

19- Start setting aside money to invest.