People are constantly making plans. They plan what to watch on TV, what to wear to the club, what excuse to use to get out of doing something they really don't want to do. Now, I am telling you to make another plan. In this plan I want you to list future financial goals for yourself whether it be paying off a credit card or saving for that down payment on a home. Write your plan down and then write down steps you can take to achieve that goal. Now place this where you will be forced to see it everyday, if you have to, frame it and sit it on your desk next to your computer monitor. Do whatever it takes so that your goals stay freshly in your mind.
Now that your plan is on paper and you have decided on a course of action to achieve that goal, I want you to start each day by reading it over and end each night by reading it again before bed. As time goes on your plan may have to be altered but whatever you do, keep working towards your goal. A toddler learning to walk for the first time will stumble and fall, however that toddler will eventually walk, then run. You must become that toddler in terms of your goals and remember that even if you fall, you can always get back up.