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RE: Lacking Discipline

I'm glad that I don't eat McDonalds, but I know how challenging it is to do things like that! It does take time to get away from the habits, as much as we try to not do it. I've found that replacement with something else is usually the most helpful. Instead of getting McDonalds, replace it with something that is better, but it has to be specific. For example, instead of getting McDonalds get a burrito from a Mexican restaurant or something. If you're able to make that replacement, then it makes it easier to get rid of McDonalds, and eventually you could get rid of the burrito too. One step at a time!

Tracking is good but indeed also takes time. I think if we are motivated, we can do it!

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Instead of getting McDonalds, replace it with something that is better, but it has to be specific.

Ah that's a good suggestion! I will try that!

Yeah I have to admit that when it comes to diets and exercise, I am less motivated and disciplined. But it's the other way around when it comes to personal finance and budgeting when I track my expenses closely.