“Ugh. I can’t believe you forgot to book your flight when the price dropped – useless! Now you’ll NEVER pay off your credit card. If you can’t handle this, YOU CAN’T HANDLE ANYTHING.”

You might be wondering who that incredibly mean person is, and I’ll tell you. That bully is me, talking to myself.

Can you ever imagine CHOOSING to spend time listening to someone who constantly puts you down and makes you want to cry? Yet, most of us spend time listening to and believing our negative self-talk.