Let me ask you a brief question.;Are you contributing toward the solution of a problem or are you the re-affection of the problem? Well if you're a real spendthrift you certainly have no cause to complain or stressed yourself about lack of money.You are the problem, the real cause the problem you are into now. So do something fast about it. Ofcourse, we all know that our well-being is all in whole out of our bear hands..But otherwise,it is something we can control.Let me give an example, we can make it our business to have a complete physical checkup atleast once a year.I'm not suggesting or admitting that you become a hypochrondriac(a state when someone worries that there is something wrong with their health,even when you are not ill), but when you feel that something is wrong, why bother or worry about it? See a doctor and findout if it is something to worry about. I knew of one fellow who suffered desperately from terribly painful boils.He suffered about the awful pain for months, until the pain got him finally and carried him to a doctor. It looks someohow to know the people like that. Don't they realise the awful pain, the sleepless nights, it cause, and so on to be considered. I know of a time when the salk polio vaccine was available to the public, there were news urging all adults under foty years of age to get their polio injections. They seemed to many people who procastinate and never done so.Well can we say is the lack of money but the injection were a free of charge so no excuse to make, but people still stay away from droves. Stop delaying.One who delay time and procastinate putting away all his or her desire tend to remain the same until it takes action.If you feel you need to see you doctor for something, stop talking about next week or tomorrow-take action immediately.Keep in mind, the most of the time, in almost every type of problem, it's not what you do that hurts you in anyway, it's what you don't do that causes the trouble!!