How old are you? Unless you’re under the age of 20 or 25, chances are you will not change.
I don’t care how much willpower you think you have, the vast majority of people will not change their habits once they’ve become an adult. This is why the government created rules to prevent cigarette companies from marketing to minors (Joe the Camel?).
In fact, your only chance of changing usually comes on the heels of a very “shocking” event. How many stories have you heard of people getting their finances on track because their brother’s house was foreclosed? How many people lose weight because their doctor warns of impending health problems? While I don’t wish a “shocking” event onto anyone, sometimes we all need one to get us back on course!
In the absence of a shock, what can you do to help your finances? Don’t try wholesale changes to yourself or the way you do things, change your financial “system” so that it works better with You. Below are a few ideas to help you do this.
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