Why do you not pay yourself to you what you know you should de doing? It's a job! therefore you should have a salary, and you should pay yourself a salary. [Let's say] if you walk for 15 min per day,you pay yourself a quarter. that's money that goes in to a jar that you call personal. That is not to be touched for 6 months. At the end of the six months,you have permission to open up that jar,and you spend that money on whatever you want,on something totally frivolous.-Prov1.