"Common sense isn't as common as it used to be."

     --Keith Boyer


          WE NEED TO

1.   STOP Making excuses
2.   DEVELOP a plan
3.   START Today

     Five Areas You May Need To Get Started In:

--   Your Relational Life
--   Your Vocational Life
--   Your Physcial Life
--   Your Financial Life
--   Your Spiritual Life

4.   FOCUS on the Gain, not the pain

5.   DEPEND on God to help