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We are at the last “work day” of our No Spend Challenge! You have been fantastic during this program and dedicated to improving not only your financial situation but your life. Today we are going to focus on positive money habits that are tied to your particular Personality Types and Emotional Motivators.
Some of the positive money habits will be the same, and some will be different. The point is, these particular money habits will help you most depending on how you use money. They are all intended to improve your relationship with money and to help you stay connected to your finances.
If I didn’t list a particular behavior or action from previous lessons under your specific Personality Type, it doesn’t mean you should skip it. You should still engage in all the suggested actions I’ve listed throughout the lesson. The behaviors I’ve listed under specific money types are super important and should not be ignored.
Of course, all positive money behaviors are good for us all. So use any and all that you find useful for keeping you aligned with your money and values.
Table of Contents
How To Develop Positive Money Habits
Love and Belonging
Positive Money Behaviors
- Before making a purchase ask, “What need am I trying to fulfill by spending money?”
- Track income and expenses daily
- Review bank and credit card statement in detail each month
- Limit or stop spending time with people who trigger your need to feel loved
- Create a connection with your money improve your relationship with money
- Create an emergency account
- Save money each month even it’s only a small amount
- Create BIG money goals each year
- Make sure you create one BIG savings goal each year
- Increase the amount you save each year
- Save money in an account you don’t have easy access to (Capital One 360 Savings Account, Digit)
Other Positive Behaviors
- Surround yourself with people who appreciate you just the way you are
- Give your time to others in need so you feel appreciated (do this as part of an organization so you can also feel a sense of belonging)
- Keep a journal and list at least 5 ways you felt appreciated today
Value and Significance
Positive Money Behaviors
- Create an emergency account
- Save money each month even it’s only a small amount
- Create BIG money goals each year
- Make sure you create one BIG savings goal each year
- Increase the amount you save each year
- Save money in an account you don’t have easy access to (Capital One 360 Savings Account, Digit)
- Pay off all your debts before loaning or giving money to others
- Stand in your power with money at least once per day
- Learn to support friends and family emotionally, not financially
Other Positive Behaviors
- Learn to say no
- Ask for what you need in all areas of your life
- Keep a gratitude journal and list 10 things each day you’re grateful for
- Learn to keep healthy boundaries with others
Recognition and Respect
Positive Money Behaviors
- Create an emergency account
- Save money each month even it’s only a small amount
- Create BIG money goals each year
- Make sure you create one BIG savings goal each year
- Increase the amount you save each year
- Save money in an account you don’t have easy access to (Capital One 360 Savings Account, Digit)
- Focus on proven ways to make money instead of riskier ventures
- Learn to trust the advice of professional investment experts
- Track expenses daily
- Review bank and credit card statements in detail each month
- Before investing money do your due diligence
- Establish a “play money” account to use for riskier ventures
Other Positive Behaviors
- Learn to use your intuition to discern trustworthy people and situations
- Learn to accept that we are all wrong from time to time, and it’s not the end of the world
- Keep a journal and list 5 ways you made good choices
Status and Validation
Positive Money Behaviors
- Create an emergency account
- Save money each month even it’s only a small amount
- Make sure you create one BIG savings goal each year
- Increase the amount you save each year
- Save money in an account you don’t have easy access to (Capital One 360 Savings Account, Digit)
- Create a debt payoff strategy and get excited about it
- Use your spending plan to prepare in advance and to help plan for all expenditures
- Track income and expenses daily
- Review bank and credit card statements in detail each month
- Give money the respect and attention it deserves
Other Positive Behaviors
- Keep a journal and write down experiences when others have shown you genuine love, care, and recognition.
- Write down 5 things your grateful for each day
Security and Freedom
Positive Money Behaviors
- Create a Meaningful BIG Money Goal
- Create an investment plan for your future
- Hire a financial advisor you trust who can help you to start building wealth
- Create a fun money account and spend it!
Other Positive Behaviors
- Create a living environment that you find beautiful
- Actively remove as many tolerations from your life as quickly as you can
All you have to do today is read through these positive actions and make a plan on how you’ll implement each of these behaviors.
For example, if I’ve suggested you start journaling, make sure you have a notebook and pen handy near your bed so you can write out the activity each night before bed or before you start your day each morning.
By using these specific positive money habits and doing what you’ve learned throughout the lessons, you will be well on your way to overcoming debt and living the life you want to be living.
