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There is an energy level difference between negative thoughts and positive thoughts. State your goals in positive terms. State exactly what you want, exactly what your goal is. Forget about what you don’t want. Chances are you have that already.

This is a temporary fix to spending, especially during the holidays.  Many of us love to get out into the thick of holiday shopping.  We love the crowds and the excitement generated by the music and the sales.  It’s the excitement that makes us lose sense of our spending limits, especially if you have a [...]