Thoughts are things...treat them accordingly.
Turn your habit into a conscious decision.
Unless you love yourself, it's difficult to respect anyone else who holds that high an opinion of you.
Ask 'What' and 'When.' The 'How' will naturally be revealed.
Your life wasn't meant to be a struggle; it was meant to be an adventure. Start living the adventure now!
Never loan money, you're not reading or willing to give away.