This is the first step toward self-control, and if self-control ever catches on, perhaps your next audience will take their eyes off their CrackBerries and focus on you.

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When you get home, your self-control is so exhausted that you kick the cat or reach for the cookie jar.

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Once you understand that patience is active and all about self control, you get to control exactly what activities to do to get your brain moving again.

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"If you have self-control, the credit card can be a very meaningful tool to manage your money wisely, " Bentley said.

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