This is the last Sunday of the month. A good day to reflect on the past week as well as the past month. Review your spending. Review your habits. Review your achievements. Move away from the group that say "Hmmmm... if only the beginning of the year." What can you change? Which areas can you improve? Not only is hard work, it's also difficult to look at your inadequacies. I went through my bank statements, and it was tough. I've been careless. But I am glad I did this exercise.