I can always count on Mal and Wishes to be blunt and I mean that in a good way. Organizationally, I'm challenged to say the least. I found a way to organize my money about 4 years ago and I went from $33,000 on my credit card to $2,000 and creeping down to zero. The time I need to work out is in the morning. That's because I know that I can maintain a routine there. Lately, I've been waking up at the time I need to in order to work out, but then I find myself doing other things. I know how important working out is to me so I am trying to get myself to stop placing barriers for myself there. I do enjoy the working out, but geez I am having trouble getting myself started again.