Cold Showers and Budgets

Money flows from those who do not have a plan to those who do. A big part of success is having a plan, not just with your money, but with your time, etc...

Mark Twain supposedly said, "Eat a live frog first thing in the morning and nothing worse will happen to you the rest of the day." I take cold showers so that I feel confident and in the drivers seat all day long.

How to get something started with a single small step