Break the mindless earn and spend cycle by figuring out what you value most, whether it’s world travel, returning to school to change careers, home ownership, a peaceful retirement or a debt-free college education for the kids. Then set specific goals, with real time frames, and track your advancement on a monthly basis. Make this a daily discipline by putting a list of those goals in your face — the fridge, your desk at work, your wallet…really anywhere and everywhere!  This is a great technique to keep you focused on those goals!