" \u003cdiv\u003e\r\n \u003ch2\u003eLack Of Self Discipline\u003c/h2\u003e\r\n \u003chr /\u003e\r\n \u003cdl class=\"dl-horizontal\"\u003e\r\n \u003cdd\u003e\r\n \u003cobject type=\"application/x-shockwave-flash\" data=\"http://www.youtube.com/v/aeyiw1SiCiE\u0026amp;hl=en\u0026amp;fs=1\u0026amp;rel=0\u0026amp;color1=0x402061\u0026amp;color2=0x9461ca\u0026amp;border=1\" height=\"364\" width=\"445\"\u003e\u003cparam value=\"true\" name=\"allowFullScreen\"\u003e\u003c/param\u003e\u003cparam value=\"always\" name=\"allowscriptaccess\"\u003e\u003c/param\u003e\u003cparam value=\"http://www.youtube.com/v/aeyiw1SiCiE\u0026amp;hl=en\u0026amp;fs=1\u0026amp;rel=0\u0026amp;color1=0x402061\u0026amp;color2=0x9461ca\u0026amp;border=1\" name=\"src\"\u003e\u003c/param\u003e\u003cparam value=\"true\" name=\"allowfullscreen\"\u003e\u003c/param\u003e\u003c/object\u003e\u003c/p\u003e\u003cp style=\"line-height: 15pt; font-weight: bold\"\u003e\u003cstrong\u003e\u003cspan style=\"font-size: 11pt; font-family: Georgia, serif; color: black\"\u003eLack Of Self Discipline\u003c/span\u003e\u003c/strong\u003e\u003cspan style=\"font-size: 11pt; font-family: Georgia, serif; color: black\"\u003e\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 15pt\"\u003e\u003cspan style=\"font-size: 11pt; font-family: Georgia, serif; color: black\"\u003eOne of my biggest challenges in budgeting and managing our household finances is Lack of Self Discipline. It has actually been my biggest problem in life in every area!\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 15pt\"\u003e\u003cspan style=\"font-size: 11pt; font-family: Georgia, serif; color: black\"\u003eThere are very few people who don’t suffer from it, they are usually the accounting types, they are the people who say to me, when I talk about budgeting or setting up a spending plan, ‘yes you’re right, I already do this. You are not really telling me anything new.’ The rest of us, we try all sorts of computer programs, spreadsheets, workbooks etc and still can’t seem to get our finances under control for any length of time.\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 15pt\"\u003e\u003cspan style=\"font-size: 11pt; font-family: Georgia, serif; color: black\"\u003eI have tried them all, how about you? I’ve tried to do the spreadsheet thing – I went through this phase where I would actually fill in a spreadsheet with everything I purchased for the month, it was broken down into lots of categories and it was all really pretty and very detailed – and I did it for about 2 months. Then I got behind in filling out the information, it was all too hard and so I just scrapped it.\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 15pt\"\u003e\u003cspan style=\"font-size: 11pt; font-family: Georgia, serif; color: black\"\u003eIf you are like me you don’t want to be filling in spreadsheets or workbooks all the time you want to be able to set up your budget/spending plan once and then forget it.\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 15pt\"\u003e\u003cspan style=\"font-size: 11pt; font-family: Georgia, serif; color: black\"\u003eThat’s what I do now and have done for many years now an I will share it with you in my book.\u003cstrong\u003e\u003co:p\u003e\u003c/o:p\u003e\u003c/strong\u003e\u003c/span\u003e\u003c/p\u003e\r\n \u003c/dd\u003e \r\n \u003c/dl\u003e\r\n \u003c/div\u003e\r\n\r\n"