This is useful information. Its useful if you are trying to get in the habit of exercising. Its useful if you are starting your journey to financial peace. But, this begs the question, if you know that something should be a habit 21 days later...do you get discouraged if its still difficult?
I wonder..and with my new year's resolutions, I will try this out. If you need to find some more habits to develop, I suggest the 7 Habits of Highly Effective People. Be Proactive, Begin with the End in mind, First Things First, Think Win Win, Seek First to Understand, Synergize, and Sharpen the Saw. I personally have never figured out how to Begin with the End in mind but put First things First. :-)
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