Changing habits

I’m Miriam  Neff-with STARTING OVER FINANCIALLY,-and I’m Valerie Neff Hogan, and we’re here to talk about money

M Habits are stubborn.  Helpful– we routinely start a vehicle, brush our teeth, no thought.  Harsh–we spend on something we don’t need or simply waste money. My work commute included a drive through coffee, more expensive than coffee made at home.  I could afford it. It was within budget but was it the best use of my money?

Val  When finances change, its hard to change those habits. Habits take awhile to change, so make sure yours are good habits even in the area of spending and finances.

M Helpful hint.  Keep a reminder of your goal visible.  Note on your mirror, car dash, wallet so you can wisely spend or invest that dollar.