As you can see from the exercise on “Money Management”, spending money intentionally, not impulsively, needs to become a habit. As you already know, after you get hired, showing up on time and being ready to do the work are necessary habits for you to have in order to keep the job. This next set of worksheets require you to look back at the past long enough to recognize bad habits. Bad habits aren’t just physical. Habits take place in your thinking too. Habits are repeated patterns that maximize efficiency. Good habits can help you reach a worthy goal, while bad habits eventually bring shame. Learning new and breaking old habits is a part of the maturity process. Don’t let the tension from change hold you back from a total transformation. ​

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Will Durant puts it like this, “You are what you repeatedly do. Excellence, therefore, is not an act, but a habit.”​