Mercury,
Maybe you should write down your goals and the write down a series of mini goals or steps that need to be taken to reach your goal. For instance:
1. Save Money
A. Open a savings account
B. Link savings account to checking account
C. Set up overdraft protection for checking acount
D. Put 10% of paycheck into savings account every time I get paid
Sometimes breaking down goals into a series of steps makes things a lot easier to achieve.
Good luck
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