51. Use an accounting program such as Quicken™ or Quickbooks™ to keep your finances up to date. Once you have the program set up, it automatically keeps track of your account balances, overdue invoices, bills for you to pay, etc.

52. Use a messenger service. Instead of driving across town, hire it done. It's more cost-effective than you might think.

53. Determine what one thing you’re avoiding, and start it.

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"The things that matter most in life are too often hostage to the things that matter least.”
—Hyrum W. Smith