Renew your mind. Every day you chose your attitude and the way you will respond to every aspect of your life. Elaine St. James in her book, Simplify Your Life, says, "Wise men and women in every major culture throughout history have found that the secret to happiness is not in getting more but in wanting less."

Even when you feel as though your life is completely out of control, you can be sure of this: You alone have control over your mind and your thoughts. You can choose to live under your circumstances or to rise above them. And if you want to soar high, you need to take a serious look at all the baggage you're carrying. Then do whatever it takes to lighten up!

© 2004 The Cheapskate Monthly. All rights reserved. Used with permission.

 "The Cheapskate Monthly" was founded in 1992 by Mary Hunt.  What began as a newsletter to encourage and empower people to break free from the bondage of consumer debt has grown into a huge community of ordinary people who have achieved remarkable success in their quest to effectively manage their money and stay out of debt.  Today, "The Cheapskate Monthly" is read by close to 100,000 Cheapskates.     Click here to subscribe.

Seeking financial harmony in your marriage? Read Mary Hunt's book Debt-Proof Your Marriage published by Revell.