Identify your next best action: Calculate the best use of your next dollar. Maybe you need to pay an extra $200 per month to repay your credit card in the desired timeline, save an extra $300 per month to retire how you want or save an extra $150 a month to build your emerge...
Recently, a friend and I were discussing how cell phones have changed things. I don’t wear a watch, or have a camera (although I would like a digital SLR and to take some photoshop classes, but that’s another story). I don’t use an alarm clock, but use my cell phone instead....