It is said that old habits die hard and this can often be used as an excuse not to attempt to break a bad habit. If you're sick of making excuses for not changing your spending habits, sick of not having money for those emergencies that sometimes crop up, sick of worrying about how you're ever going to retire, there is hope. Changing your habits is not easy but it is possible if you truly want to do things differently. Change could, at first, even be a bit painful, but if you stick with it you will soon start to see progress. That progress will then spur you on to greater achievements.
