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8 Financial Habits to Introduce Into Your Life

Modified on May 30, 2020 at 11:55 AM

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There are hundreds of ideas out there about financial management, and it can feel overwhelming to sort through them all. The key isnโ€™t choosing the โ€œrightโ€ habits, it is choosing a few habits that work for you and learning to stick to them. Here weโ€™ll look at eight common financial habits that may be worth trying.

Tackle Debt Early

No matter if you have a little debt or a lot, getting into the habit of paying it off quickly is a great habit to get into. The best way to tackle debt depends entirely on what works for you. Advice over at National Debt Relief suggests that if you have a lot of debt, a consolidated monthly payment might work for you.

Write a Budget

Creating a budget that includes all of your bills and expenses is another great habit to learn. When you know where your money is going, itโ€™s a lot easier to control it. If youโ€™ve never written a budget, be sure to include everything you spend money on. Include bills, but also remember to include weekly vehicle fuel-ups, small subscription services, and a set amount of โ€œfun moneyโ€.

Stick to Your Budget

Having a budget is great, but for it to work you have to learn to stick to it. Paying bills is easy, but itโ€™s the discretionary spending that gets many people in trouble. Try switching from debit and credit cards to cash and stop spending when the cash runs out. Having a visual reminder of how much youโ€™re allowing yourself to spend can make it much easier to avoid overspending.

Pay Bills Early

To go along with creating a budget and sticking to it, donโ€™t be tempted to delay paying bills. Sure, that payment might not need to be paid until the end of the month. But when that money is left sitting in your bank account, itโ€™s tempting to spend it and catch up next month.

Change Your Spending Habits

Creating good financial habits involves getting rid of bad ones. After youโ€™ve written a budget, you may see a few spending habits youโ€™d like to change. This could be how much you spend on subscription services each month, or maybe how often you eat out.

Find a Philosophy

Having something bigger than yourself to fall back on can help tackle spending habits you want to change. For example, Marie Kondoโ€™s philosophy involves only owning things that spark joy in your life. What mantra could you identify with to avoid extra spending?

Put Away Your Credit Cards

To help yourself stick to a cash budget and avoid over-spending, try leaving your credit cards at home. If theyโ€™re in a drawer at home, they arenโ€™t in your wallet providing a temptation. Also, delete credit card information from online shopping websites for the same reason.

Build Your Savings

According to CNBC, itโ€™s a good idea to have three to six months’ worth of living expenses in savings. Try setting up automatic savings deposits that coincide with payday. Also, consider putting your savings in a different bank than your checking account. Not having instant access to savings can help avoid the temptation to spend it unwisely.

All these ideas are just that thoughโ€”ideas. Take a month and try them out, see if they work for you. It may surprise you at how small habits like these add up to a positive financial future.

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Posted By The Fashionable Housewife
on May 30, 2020 at 11:55 AM
Filed Under: Finances
Tagged With: Budget, debt, debt relief, family finances, finances, financial, financial planning, personal debt, personal finances

About The Fashionable Housewife

Sarah-Jean Ballard is the Editor in Chief of The Fashionable Housewife blog and Founder of Fashionable Media. Married to a sexy Molecular Biologist, housewife, mom to 5, homeschooler, Certified Personal Nutritionist and entrepreneur who's mission is to help moms just like you look and feel GREAT! Other interests include dancing, yoga, positive intactivism, natural birth and breastfeeding support, babywearing, paleo & gluten-free cooking, and promoting an overall healthy lifestyle to all.

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Our new @kingofchristmas 7.5' Queen Flockยฎ Artificial Christmas Tree is absolutely amazing! ๐Ÿ™Œ๐Ÿป๐Ÿ™Œ๐Ÿป

The kids couldnโ€™t be happier so I have no regrets putting our tree up before Thanksgiving. ๐Ÿ˜‚๐Ÿ’๐Ÿผโ€โ™€๏ธ

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The bins hold a surprising amount and I love how solid and sturdy this is. Perfect for organizing toys at kid eye level. Itโ€™s also great for seasonal home decor! ๐Ÿคญ๐Ÿ๐Ÿ‚

Whatโ€™s your favorite piece of furniture in your house?! 

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An often-overlooked element to planning your perfe An often-overlooked element to planning your perfect hiking outfit is finding the perfectย minimalist backpack! 

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This is what our homeschool looks like sometimes. This is what our homeschool looks like sometimes. ๐Ÿฅณ

Canโ€™t believe my oldest son is 13 and outside helping dad do home projects like building a new deck. ๐Ÿคฏ Seems like yesterday he was in his walker on this back deck and it looked a lot better ๐Ÿ˜‚

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Drop a comment and wish this boy a happy birthday! ๐ŸŽ‰๐ŸŽ‚ 

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Work from home? You need @flexispot_official The Work from home? You need @flexispot_official 

Their standing desk and exercise chair is a GAME CHANGER!! ๐Ÿ™Œ๐Ÿป๐Ÿ™Œ๐Ÿป

Whether you have a laptop or a desktop pc, being able to adjust your desk at the push of a button and stand for a while is absolutely essential to working long hours at a computer. 

This bicycle chair is designed specifically for this desk and a great way to keep your body moving. You could also use an under desk treadmill like @superun_fitness for even more flexibility! ๐Ÿ’ƒ๐Ÿผ

Just because you have to work at a desk all day doesnโ€™t mean you need to be out of shape. ๐Ÿ’ช๐Ÿป๐Ÿ‹๐Ÿผโ€โ™€๏ธ๐Ÿคธ๐Ÿปโ€โ™€๏ธ

Motherhood and working from home is hard. FLEXISPOT makes it easier. 

Check out my blog and search โ€œFLEXISPOTโ€ for more info!!

Comment and tell me how many hours a day you spend sitting! Be honest! ๐Ÿ‘‡๐Ÿป๐Ÿ‘‡๐Ÿป๐Ÿ‘‡๐Ÿป

#motherhood #motherhoodunplugged #workfromhome #athomeworkouts #athomefitness #fitmoms #fitmomsofig
If putting up your Christmas tree brings you joy, If putting up your Christmas tree brings you joy, go for it!! 

Our new @kingofchristmas 7.5' Queen Flockยฎ Artificial Christmas Tree is absolutely amazing! ๐Ÿ™Œ๐Ÿป๐Ÿ™Œ๐Ÿป

The kids couldnโ€™t be happier so I have no regrets putting our tree up before Thanksgiving. ๐Ÿ˜‚๐Ÿ’๐Ÿผโ€โ™€๏ธ

Follow my shop @fashionablewife on the @shop.LTK app to shop this post and get my exclusive app-only content!

#liketkit #LTKSeasonal #LTKHolidaySale #LTKHoliday #kingofchristmas 
@shop.ltk
https://liketk.it/4n9gW
Loving our new 5 bin storage unit for the playroom Loving our new 5 bin storage unit for the playroom from @guidecraft_official !!

The bins hold a surprising amount and I love how solid and sturdy this is. Perfect for organizing toys at kid eye level. Itโ€™s also great for seasonal home decor! ๐Ÿคญ๐Ÿ๐Ÿ‚

Whatโ€™s your favorite piece of furniture in your house?! 

Tell me in the comments! ๐Ÿ‘‡๐Ÿป๐Ÿ‘‡๐Ÿป๐Ÿ‘‡๐Ÿป

#homedecor #momlife #homeorganization #playroomorganization #playroomdecor #homedecorideas #fallhomedecor
An often-overlooked element to planning your perfe An often-overlooked element to planning your perfect hiking outfit is finding the perfectย minimalist backpack! 

You donโ€™t want to be weighed down by an oversized, clunky backpack that boasts all the bells and whistles but delivers nothing more than unnecessary muscle strain. You want a backpack that is minimal on the outside, functional on the inside, and sustainable all around. Waxed canvas is always a top choice for me!

Iโ€™m obsessed with this backpack from @hellodayowls ๐Ÿ˜

It has that perfect boho minimalist look that I love, in the perfect color for fall. This has become my go-to handbag for autumn. 

Perfect for all our outdoor adventures, hiking in the mountains, exploring the woods with my kids, and everything motherhood throws at me! ๐Ÿฅพ ๐Ÿง—๐Ÿผโ€โ™€๏ธ ๐ŸŒฒ 

Learn more about this bag on my blog ๐Ÿซถ๐Ÿป

#backpacking #outdoorfashion #wildandfreemama #mountainmama #motherhoodjourney #minimalfashion
I miss summer already ๐Ÿ˜ญ Take me back to a bett I miss summer already ๐Ÿ˜ญ

Take me back to a better place ๐Ÿ‘‰๐Ÿป summer time at @storylandnh !! ๐Ÿฅณ๐Ÿฅณ๐Ÿฅณ๐Ÿฅณ

Canโ€™t wait to go again next year! ๐Ÿ™Œ๐Ÿปโœจ๐Ÿคธ๐Ÿปโ€โ™€๏ธ

#summertime #familytime #familyadventures #motherhoodunplugged #childhoodunplugged
What they remember about their childhood is in you What they remember about their childhood is in your hands ๐Ÿซถ๐Ÿป

#motherhood #motherhoodrising #motherhoodunplugged #motherhoodthroughinstagram #motherhoodintheraw
This is what our homeschool looks like sometimes. This is what our homeschool looks like sometimes. ๐Ÿฅณ

Canโ€™t believe my oldest son is 13 and outside helping dad do home projects like building a new deck. ๐Ÿคฏ Seems like yesterday he was in his walker on this back deck and it looked a lot better ๐Ÿ˜‚

Thankful that @homedepot has great prices so we could finally afford to do this home reno project! ๐Ÿ’ช๐Ÿป๐ŸŽ‰

#motherhood #motherhoodunplugged #hereisourhomeschool #motherhoodthroughinstagram
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