Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited.

I spend too much money. How can I get on the path to a frugal lifestyle?
Use software that calculates your net worth and track it over time. I track my personal finances in Mint, and I love checking my net worth every week. It's turned into a kind of competition with myself...  It's like keeping track of how fast you run a 5k, or how many pounds of weight you've lost. It helps you determine if you are making progress, and if you, it's positive reinforcement that you are doing the right things.