Listen, none of these are acceptable because real goals require small steps and planning. So really, the right time is now.

If you need more money for a purchase or dream vacation, then write down all of your spending. How much more money could you save by cooking instead of dining out or cutting back on alcohol and tobacco?

A friend of mine went through a divorce and became a single parent. The extra expense and responsibility of young kids forced him to give up drinking alcohol and cook balanced meals. He told me that for the first time, he was able to start a savings account.

Look in your closet. I’m sure there are clothes and shoes never or barely worn. So, stop buying more clothes and rotate your wardrobe more often. Ok, I know there’s a lot of people upset with me right now. Sorry, don’t let your spouses read this article.

The beauty of goal setting for losing weight and getting in better shape is that you can start immediately. You need to accept that you’ve been lazy and undisciplined, but don’t beat yourself up over it. We’ve all had our share of bad habits and self-destruction.

After work, before you go home, drive straight to the gym. Have your workout clothes and sneakers in your car. We all know that once we’re home, there are too many excuses that keep us from going to the gym. Don’t let those excuses have a chance.

If you don’t have a gym membership, then go for a walk, run or bike immediately after work. Once you’ve prepared and eaten dinner, you’ll become too lazy.

So what are you waiting for? Tomorrow is too late. Start the road for accomplishing goals today. Don’t let anything or anyone stop you. It’s your life and you deserve it. You’ve earned it.