Step 1) Many people are having very difficult financial times right now. Financial stress can lead to a host of problems involving every sector of your life. The first step in starting over now is making a COMMITMENT to the person you want to be. If you want to be a 6 figure earner, for example, you need to make the necessary sacrifies; if you want to stop drinking and get involved in the church, commit yourself to those objectives. Commitment is key.
Step 2) The second step in starting over now is NOT ALLOWING YOUR PAST TO INFLUENCE YOUR FUTURE. You need to learn from your past--but don't dwell on the failures. Realize what you did wrong--and right--in the past and make those necessary adjustment now and into the future.
Step 3) The third step in starting over now is LEARNING HOW TO LIVE NOW. It's important to have goals for the future, but after you make those goals, you need to implement your plan to achieve those goals in the present moment. Do not be one of those people who believe that happiness is in the future when the obstacle has been overcome; contentment is in the now as you seek to start over now, each day at a time.
Step 4) I hope this has been a helpful article on how to start over now. Good luck!This is an article on how to start over.