What is it you are trying to accomplish? Are you trying to get out of debt? Are you saving for a home?
Whatever the goal is that you are trying to reach. What is your plan? Do you have a plan? Is it written down?
If not, start writing it now. Get out a piece of paper or open up a new document on the nearest computer and write “The Plan” at the top of it. Write down the steps you need to take right now to get you from point A (where you are now) to point B (where you want to be).
Now hang up your list somewhere where you can see it and review it often. Make it a living document. Update it as needed. It is your plan. Control it.
You know this. This is just your friendly reminder.