I think this is a great post. Many people struggle with this issue, so I'm glad you got it figured out for yourself. That's important. It's the get rich slow method. Put some money in a low cost investment account, invest it in index funds, and leave it alone. I've found that there are a lot of great tips about this and other topics here: http://clark.com/personal-finance-credit
Maybe it will help others!
cheers for that interesting looking site - will take some time on it.