My financial life has seen more ups and downs than a roller coaster so this for me is the more important part and I'm sure will be the the hard(est) one - forming new habits.

So far, here are some of the new habits I have in mind:

(1) Make a budget (and stick to it). I have one which I know I should stick to as strictly as I can.

(2) Track my day-to-day expenses. I've tried this many times - for a week, then it gets so tedious that I forget about it. But I know this is important to have an idea of where my money goes.

(3) Think and stay positive. I made a lot of mistakes in the past. I can't help but think about it with much regret. Sadly, this still cause me sleepless nights. But worrying and stressing about it will not help me in any way. I admit, the future seems blurry to me sometimes butI have to stay hopeful and think only positive thoughts that I can still turn my situation around. I have to keep my eyes on the prize.