To Change a Spending Habit, Focus on Cause and Effect

This makes your goal immediate and actionable.

To build that process, think about the cause and effect of your habit.

He uses the famed latte example.

You buy it at a coffee shop you walk by every morning.

To change your latte buying habit you may need to change the path you take to work.

Take a different route to avoid that particular coffee shop.

In this case you gotta find a new (and cheaper) way to get that energy boost.

Head to the link below for more insight.

3Reasons Why Its Hard to Budget| I Need Money ASAP

Photo by401(k) 2012.