Draw a dot in the middle of a circle. The dot is you and the circle represents the limit of your comfort zone. For example, spending $100 on a night out is right on the circle but $108 is outside the circle and thus your comfort zone. This drawing relates to all areas of your life (eg physical activity like number of push ups, work duties, love making etc). Now, set your goals just outside the circle (eg to save $x in the next pay cycle).