Small changes can lead to big rewards. So if that is the case why is it so difficult to changes our financial patterns? We tell ourselves that next week I will create a budget, next month I will start savings, and next year I will pay off my credit cards. Why not start today? What is actually stopping you? There are many mental roadblocks that we must overcome, but the easiest thing to do is actually just start. Start by taking the first step. Purchase software this month which tracks your spending and analyzes where you can make small changes in our order to reach your larger financial goals. Begin today, so that these small changes can bring you amazing success in the long run.