Stay on Track

I wish I could promise you smooth sailing from here on out, but few of us have lives that don't throw us an occasional curveball.

Here's my best advice for how to stay on track despite whatever comes:

• Get support. Living a frugal or even goal-centered life isn't exactly a mainstream choice in America, where every time you turn around advertisers are shouting at you to spend more. That's why it can be helpful to find others who share your goals. You may be able to find a "simple living" support or study group in your area; start your search at www.simpleliving.net. If you have a severe or uncontrollable spending problem, investigate Debtors Anonymous, which is a 12-step group based on the principles of Alcoholics Anonymous that can provide invaluable information and support.