home *** CD-ROM | disk | FTP | other *** search
- This depends on the person and
- the particular habit. If it is
- ingrained in your family history,
- a more concerted effort will be
- required. Addictive or
- compulsive habits may require
- counseling or therapy. For many
- people, changing poor money
- management practices is a
- process of learning more
- productive habits to replace
- the old; less productive habits.
- If you are determined, you will
- see positive results within
- six months.
-