First, nothing works without commitment. With commitment comes the mindset that sets you up for success. Success then brings the peace of mind that you wanted to achieve. Commitment can sometimes be scary, but as the saying goes, to eat an elephant; you have to bite one piece at a time. So my first piece of advice is to start small and pace yourself. As you a hit a milestone, make the next milestone bigger. This applies to both saving and spending.
So where do you start? Let’s begin by establishing your goals, i.e, goal setting. The main teaching is that your plan of action should be setting “SMART” goals. These are goals that are Specific, Measurable, Attainable, Relevant and Timely.