Since I now know that there isn’t much I can do regarding my finances until either I earn more or the economy gets better, I have decided to focus on what is within my power.
I must get my finance in order.
The “To-Don’t List” is exactly what you think it is. It is a list of everything you will not be doing. An exact opposite of the “To-Do List”.
This list can be inspired by a decision to change your habit, a desire for something better, or plain laziness and procrastination.
I should preface this by stating that my financial life has been a big mess.
So when I wish you a happy financial new year, you would do well by wishing me the same.