If you're dead set on achieving something -- whether it's to lose weight, get a promotion, or find a partner -- putting it off until tomorrow won't get you any closer to your goal. Start today! Waiting until tomorrow -- or next week, or next month -- only increases the likelihood that you won't get around to achieving that goal. Either that, or your heart and mind truly aren't as invested in it as you may think. Procrastination is anathema to progress and results. Why not begin working toward achieving your goal sooner than later? The earlier you start, the quicker to the finish line, and the less of a load you'll have to worry about later on. For example, let's say part of your diet includes hitting the gym three times a week. If you schedule your workouts for the early part of the week -- say, Monday through Thursday -- that leaves the weekend for other items on your to-do list, from bills to laundry. Human beings are especially reluctant to do thi...

As someone who's been a victim of identity theft multiple times, I know firsthand how important it is to keep your personal information safe, and how frustrating it can be once it's compromised. Here's a valuable tip: If you can't use cash, use credit cards. You should aim to use debit cards only in the event that you need to withdraw money from the ATM. Credit cards offer two key advantages over debit cards: 1. They're safer: Most credit cards these days offer consumers zero liability protection. This means that they're not responsible for any transactions made without their authorization. All fraudulent purchases are removed, thus bringing the cardholder's balance to where it should be. With debit cards, the process isn't as hassle-free. The bank will dig deeper to ensure you didn't make the transactions and will usually require you to fill out and send over paperwork. What's worse, you have to wait for the bank to give you your money b...