Making positive change isn't always easy, but it's always worth the effort.<br />So what bite-the-bullet changes can you make that will pay off forever?<br />According to Business Insider, start by forcing yourself to get up at the crack of dawn.<br />Exercise daily. And when you're done, take a cold shower. Brr!<br />Track your food, question everything, and be scrupulously honest in all dealings.<br />Live frugally, save for retirement, and eat only nutritious food. <br />
