I always lose count of which lap I am on when I do distance walking of the track. My mind wanders and then I'm like, which lap am I on? Now, I carry a pebble for each lap I want to do and toss the pebble after each lap. When my pocket is empty, then I am done! Now I'm free to let my mind wander, think, and dream!
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Besides a Vision Collage, place a small jar filled with pebbles or marbles, one for each pound or half pound you have set your goal at. Take out the pebbles or marbles as you lose those pounds. Keep your jar on the kitchen counter or close to the refrigerator as a reminder to stay on track.
You can also use the same concept for each day you stick with your exercises during the month or over the year!
Someone inspired me to get past the initial struggle by quizzing me. "How do you move Mount Fuji?" -- One pebble at a time. If you can just get out there, beginning with the action of "doing it" as your only expectation, you will begin to move those pebbles. And soon you will gain momentum.
Many credit cards have rewards programs that you can use to your benefit. Instead of thinking of a credit card as debt you can consider the security and money savings as an added bonus. Research and find out what will be the best option for you. Personally I recommend looking at the Chase Freedom rewards. It has no annual fee and you can get almost anything back with it (cash, gift certificates, merchandise & travel). If you pay a credit card off in full you avoid interest.
You can pay your bills, grocery shop any out of pocket expense. But keep a ledger so you don't over spend. Then at the end of the year you have extra Christmas money. If you spend $2000 a month, thats at least $240 back in your pocket. (Based on just 1% back & they have bonuses of 5% each quarter).
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