Your financial habits will make the biggest difference

Habits. Those little things we do every day.

The small thoughts we have and the actions we take that will either see us moving closer to our goals or slowly sliding down the curve further and further away from where you want to be. They’re the things we do without even thinking about it. Sometimes it can can take weeks, months or even years to change an old habit, but when you do, the results are life changing!

The habits that you have when it comes to money and finances will greatly influence your capacity to build wealth and become financially independent. Good habits will keep you on track, focused and making better financial decisions. But on the flip side of that, bad habits can get you into some serious financial trouble.

It’s time to start protecting your financial future by recognising the bad habits, putting a stop to them, and then focusing on, and implementing, better choices when it comes to your money. Every habit you’ve ever had (good or bad) is a learned behaviour, so trust me when I say that it’s not too late to break a habit that is costing you both personally and financially.

Let’s take a look at and try to recognise any bad habits that you may have from the list below:

Are you an impulse shopper?
Do you pay your bills late or not at all?
Do you use your credit card like it’s free money?
Do you let annual expenses rollover without review?
Are you always trying to keep up with the Joneses?
Do you always complain about not having enough money?

These are just a few signs of someone with financial habits that are very unlikely to serve them well in the future when it comes to creating wealth. Instead, they’re likely to be in debt and constantly wondering how they got there.

Now let’s take a look at some of the things you can do to start creating good financial habits around your spending and saving:

– know how much money is coming in and how much is going out
– shop with a list and stick to it
– check your bank accounts regularly
– ask yourself if you ‘need’ or ‘want’ what you’re about to buy
– pay your bills by the due date
– leave your cash or credit cards at home if you know you’ll be tempted to shop
– give yourself some ‘fun’ money and when it runs out, that’s it!

Look at your habits and decide if they’re taking you in the direction you want to go, or if you need to start shaking things up a little.

Good financial habits are within you … within all of us.
Your mindset will play the biggest part when it comes to trying to change habits.
You’ll be fighting the old because you’ve been doing things a certain way for so long.
Focus on changing one thing at a time so you don’t feel overwhelmed, and be strong and push through any temptations to revert back to your old habits.

If you commit to small, simple changes, you WILL create new habits that will keep you on track and making better financial decisions.


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