Make no mistake about it. Bad habits are called 'bad' for a reason. They kill our productivity and creativity. They slow us down. They hold us back from achieving our goals. And they're detrimental to our health.

Just because you're married doesn't mean that you have to spend 24/7 together and can't have separate interests and hobbies. In a healthy relationship, you both understand - and respect - that you need time apart doing what you want to do.

A cardinal rule in budgeting and saving is to pay yourself first. Once your paycheck hits your account, wisdom has it that you should move some amount to savings even before you pay the bills.

A cardinal rule in budgeting and saving is to pay yourself first. Once your paycheck hits your account, wisdom has it that you should move some amount to savings even before you pay the bills.