Getting caught up in the past isn’t something you should be doing right now. There are too many important opportunities in front of you, and you can’t afford to be distracted by things that have already happened and don’t really matter anymore. Instead, you need to be living in the present and realizing what is possible in your life. Put away your old photo albums, pack up your journals, and start making plans for your future that have nothing to do with your past.

Romance, like everything else, demands a little discipline. Write down some specific goals or set aside an hour to catch up with messages.

Keep your cool. It’s easy to fly off the handle at unexpected obstacles, but it’s not the smartest action. When love troubles hit, be your usual agreeable self. There’s no point in adding to the turmoil.

If the world of credit seems like a cold, uninviting place, it’s like that for a reason. Make no mistake about it, you are being discouraged by the details if not the sheer logic. Unless you really need it, let yourself be given the cold shoulder. Your future self will thank you for today’s sacrifices.