If you want to succeed in life or have a positive look on life then you need to develop good habits. Good habits are something you have to teach yourself. It is not second nature. Our minds are so trained with bad habits that we make excuses for them. If you are late everyday, don't make excuses why you are late, just get up earlier to be on time. If you are always broke, don't say you can't save any money because you don't have any. If someone gives you 10 dollars then take one dollar and save it. If you found a dollar save 50 cents. If you use coupons, save the money that you saved. You can save money, you just choose not too. One dollar saved is one dollar added to your retirement.
Decide today to develop one good habit and stick with it for 30 days. Normally after you have develop the good habit for a month, it then becomes a part of your daily routine. Stop making excuses and start today to change your future.