Begin mornings by emptying your head onto paper for five unrushed minutes. List lingering worries, obligations, and desires, then ask what is controllable today. Close by defining one tiny action for income, one for savings, and one for kindness toward yourself.
Prewrite choices so stressful moments cannot hijack intentions: If I feel the impulse to impulse-buy online, I wait twenty-four hours and revisit. If my checking balance exceeds a threshold, the surplus auto-transfers. If anxious, I breathe box-breaths before emails.