Setting in motion a plan for your money

(both short and long-term) and having the

determination to stick with it. Unless you

complete this part you can't go on to anything

else, especially managing credit, and

budgeting will reflect your future true

value, so always put its power on

your side. This is really where you go

to work for yourself, it's the primary

business skill to offset deficit spending and

destructive debt. With practice it soon

becomes a reinforced habit.