Would you like yourself? What would you tell yourself? If you are now over 40 years old, what would you tell yourself?
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Michelle, It is very hard to put down that chocolate bar (now I want one),and,sometimes, life makes it hard to save money; however, there are great Hubs on how to save money. I would never recomend a Hub that tells one give up chocolate(even a diet).
Plan your future more carefully is really good advice. It is very easy to go ino survival mode and let your future pass you by.
I like your answer because I can actually see, by your writing style, your thought process. So, I am going to ask you another question-would your past self like what you have become?