Financial habits

I’m Miriam  Neff with Wise Women Managing Money-and I’m Valerie Neff Hogan

M Habits are stubborn things.  Necessary, annoying, Good ones are hard to start. And bad ones are hard to break.  Financial habits can build wealth, or poverty.

V An important first step is to recognize what you are doing.  Quickly grabbing a credit card, ordering online, buying things using a down payment without counting the long term cost?

Keeping that daily record of each expense is a must. Your habits stare at you.  No denying reality.

M Were looking in a mirror. James 1: 23, 24 says don’t ignore what you see. You are looking at your budget!  Do you like it? Now we take action.  If we don’t like it, change it. Action is not easy, but necessary.

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