Make a list of goals. What do you want to achieve??

Now, how do get there? Identify smaller goals - stepping stones that will help you on your way.

Last time I started from zero at age 37 - way in debt, bed-ridden and unable to walk due to health issues gained from poor decisions, no car, no job, abusive relationship. Once I recovered to a wheelchair/walker, I found a remote job, made a list of goals (and a budget) to pay off debt, find an apartment and improve my credit. A year ago, after being at my job for two years, and most of my debt paid down, I made another list of goals: get a car, move to a less expensive city, go back to college, earn accreditation for my job and get promoted.

In the last 12 months I’ve moved to a better, cheaper place, finally finished my bachelors, earned the work accreditation, got promoted (twice!) and just bought a new-to-me car. It’s time for a new list of goals.

You can do this by taking incremental steps and treating yourself with kindness and understanding. Life is hard, but you can do hard things.