Step Four is: PLAN PLAN PLAN
Planning stops things from sneaking up on you. Planning reduces your stress. Planning gives you time to save money or time to do something little by little.
Plan what you will eat for the week.
Plan what you will where and lay everyone's clothes out the night before
Plan what is coming up in your next week or next month
Plan for big events many months out
Plan you errands to make better use of time
Good Order Is The Foundation Of All Good Things - Edmund Burke