How to Build Habits That Stick (and Save You Money)

Good habits quietly make you richer. Bad ones quietly make you broke. The secret is designing your environment so good ones win automatically.

Start tiny.Want to cook more? Chop one vegetable. That small win triggers momentum.

Stack habits.Link a new action to something you already do. Example: After brushing teeth, check tomorrow’s calendar for expenses.

Remove friction.If you want to save, make it easy—auto-transfer to savings. If you want to stop spending, make it harder—delete shopping apps.

Track visually.Mark an “X” on a calendar for every success. A visible streak motivates more than guilt.

Reward progress.Small celebration = big consistency. A fancy coffee after hitting a savings goal is perfectly fine.

When habits run on autopilot, your money goals follow effortlessly.