Philosophy is like trying to open a safe with a combination lock: each little adjustment of the dials seems to achieve nothing, only when everything is in place does the door open.
I feel that as long as you're honest, you have the opportunity to grow. It's when you shut down, go into denial, and try to start hiding things from yourself and others, that's when you lock in certain behaviors and attitudes that keep you stuck.
I have a loyalty that runs in my bloodstream, when I lock into someone or something, you can't get me away from it because I commit that thoroughly. That's in friendship, that's a deal, that's a commitment. Don't give me paper - I can get the same lawyer who drew it up to break it. But if you shake my hand, that's for life.
I'm not in favor of the death penalty. But I'm in favor of locking these people away in maximum security units where they can never get out. They can never escape. They can never be paroled. Lock the bad ones away. But you gotta rethink everybody else.
If you wait to see how much money you have left at the end of the month to put toward savings, the answer may be zero. So, set up an automated monthly transfer from your checking to savings account. Once you lock into that commitment, you'll be forced to scale back spending to make ends meet.