Happy Wednesday! I pray you are having a great week! I want to share a few hacks that can lead to successful money habits.
1. Have a financial vision for your life. Most people work a job and trade valuable time for money. Therefore having a vision for this money makes the exchange in time more worthwhile. This vision should be short term and long term with points to celebrate along the way. This vision should motivate you to get better and to be more diligent in your money decisions. Most importantly if you don't create your vision you will end up living out someone's vision. ..and their vision will probably involve you spending all of your money:)
2. Pay yourself first. The amount you pay yourself is determined by your financial vision. Whatever you pay yourself should be consistent and automatic. When you make your money automatic it becomes easier to save and it gives your money direction. When money is automatic meaning it instantly transfers into a savings vehicle you don't have to spend time worrying about it. ...worrying will never attract more money. However assigning where it goes will attract more.
3. Procrastinate on spending. In a world of "spenders" it's great to have "savers." A great way to control spending and save more is to track your daily expenses. You have to be certain what's going out to determine what amount stays in. Once you have tracked it then you can develop a spending plan that works according to your lifestyle.
4. Last, spend in cash. Plastic is easier and more convenient for sure. However, carrying cash gives you an instant visual of your spending and money situation in real-time. If you prefer using a credit card then make sure it is tied to a cash account. Therefore, once you swipe it the cash instantly comes out of that cash account and keep you free of debt.
As always thank you for reading and have a blessed rest of the week!
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