Find ways to reward yourself for not putting things off.

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Amazon found a better way to sell things, killing off bookstores and putting a world of hurt on many retailers.

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Still, at a gut level, the funds lavished during the Masters on things as mundane as, say, gardening can be off-putting.

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But too many officials held off in putting the money into their pension funds, trying to pay for other things and not take care of the workers they leaned on for years.

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