114115Carrying Out Change: Prioritization
116Carrying Out Change: Freedom in Routine Pt. 1
117Carrying Out Change: Freedom in Routine Pt. 2
118Carrying Out Change: Getting Comfortable in the Routine
119The Proper Use of Time: Breaking the Habit of Procrastination
120121122Overwhelmed by Debt & Overpowered by People
123Loans: The Emergence of Credit Cards
124Loans: The Shackling Nature of Debt
125Loans: The Most Expensive Way to Live is to Be Poor
126Why People Take Loans: The Impatient Society
127Why People Take Loans: Losing the Ethic of Working for What You Want
128Why People Take Loans: The Inability to Defer Gratification
129Justifications for Buying What Isn't Needed
130Justifications for Buying What isn't Needed: Shopping As Therapy
131132 (C) 2012 Awakening Worldwide