I love taking a hot shower.

The best one I ever had was straight after a scuba diving session at the Defence Diving School on Horsea Island. 

After an hour of exploring the bottom of a very cold and murky lake (and seeing the submerged helicopter), it was incredible to step into a shower so hot it was clearly designed to be tolerated only by members of the Royal Navy - or amateur divers using their facilities at the weekend.

But listening to an episode of the Bulletproof Radio podcast last weekend, I decided to abandon my preference for a hot shower and turn the dial to cold instead.

There are many health reasons associated with taking a cold shower, as described in this article.

What it really boils down to though is the ability to get more comfortable with being uncomfortable.

This is a useful skill to have in all areas of life, including personal finances; very often the decisions we make with our money can feel quite uncomfortable, especially when putting off the things we want today for the things we need tomorrow.

After five mornings of turning the shower dial to its coldest setting for a minute at the end, I'm becoming more comfortable with this form of self-torture. 

The goal is to build up the time exposed to ice cold water in the morning, so perhaps one day I can pull off some of the acts of manliness regularly displayed by the great Wim Hof, best known as The Iceman.