Invest in yourself.

All of us try to managing our finances wisely, economizing, saving and reducing debt. However it's possible to take this too far, so that guilt stops you from spending any money on yourself. Money is the resources to get you things you need. And one of your needs is to enjoy your life.

Is there an item, event or service you 'd really like to purchase for yourself, but have been putting it off? Why?

If you think you don't deserve it, why do you feel that way?

How much harder you have to work, or how much more money you have to have before you justify treating yourself?

The chances are that your "worthiness threshold will be always out of reach, in which case now is a good time to commit to your enjoyment.

Investing in your health and personal development is the wisest investment you can make, and a payback will last a lifetime. Studies have shown than people who regularly participate in physical activities, and some intellectual, social and spiritual pursuit tend to live longer and in better health, than those who don't.

Let's get some exercise that will help you to decide how you want to invest in yourself and how to convert intention into action.

#1 Make a list of ways in which you might like to invest in yourself.
Some maybe simple as to see a play. Other may take more planning- such as study for a degree, hire a personal trainer or take a healthy cooking class.

#2 For each item on your list write down how much time and money you will need to make it happen.

#3 For those projects that will require an extended time commitment or a large financial investment, devise a preliminary schedule to help your budget and focus on one stage at a time.

#4 Putt one of your plan into action this week. If you have a limited time, choose something relatively simple. Otherwise you can start on bigger project.

#5 Schedule some "self-investment" time into your calendar at least ones a month - although ones a week would be better, as your "dividends" would be greater.