FROM THE EDITOR Is paying your debt off a deeply entrenched habit? It can be hard to become so focused that nothing can get between you and settling your debts. It can take you time to find your debt review rhythm. It takes time to become so focused. Every now and then I personally decide to” get healthier” and try get back into the routine of daily exercise. But the best laid plans can be derailed if we do not allow a new way of things to become a deep, lasting part of who we are and what we do. So, how can you adopt new lasting habits? In this issue we look into this topic with debt review as our example. The tips in this issue will naturally help you with other good habits but learning to live on less and focus on paying off debt takes time and so we drill down into how debt review can become a lasting habit. If you recently began debt review the tips will help you a lot and may protect you through one of the most dangerous times for consumers in debt review: the end of the year. You see, Debt Counsellors do not like the end of the year at all. Sure, we all start to think about how we will take a holiday and
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