Set a weekly money check-in on your calendar. Shame hates daylight; progress grows there, so courage has a place to land.

The thought behind it

It hands you something to actually do: small enough to start today, dull enough to still be running in a year. It sits in Money Mind because it treats spending as a symptom, and symptoms are worth reading before they are treated. The weight sits on “10” — the one word you cannot swap out without losing the whole point.