9. Pace yourself. Spread out big changes and difficult projects over time; don't lump the hard things all together.
10. Take one day at a time.
11. Separate worries from concerns . If a situation is a concern, find out what God would have you do and let go of the anxiety . If you can't do anything about a situation, forget it.
12. Live within your budget; don't use credit cards for ordinary purchases.