Money Habits

10/25/2026

MONEY HABIT MYTH VS. REALITY

MYTH: If you're struggling with money, you just need more willpower.

REALITY: Willpower isn't always the problem. Sometimes it's the habits we've developed without even realizing it.
Think about it.

Most of us already know we should spend less than we earn, save for emergencies, and avoid debt we can't afford.

Knowing those things isn't particularly difficult.
Doing them consistently? Well, that's another story.

Life gets busy. Bills show up. Unexpected expenses happen. And sometimes we make financial decisions simply because that's what we've always done.

Here's something worth trying.
For the next three days, don't worry about changing how you spend. Just pay attention to it.

Notice what you buy, why you buy it, and whether you even remember buying it a day later.

You might discover a habit you didn't know you had.
And that's where real change begins.

I've spent a lot of time thinking and writing about the difference between knowing what to do with money and actually doing it. It's the central idea behind my book, The Habit Gap.

But you don't need to buy a book to start making progress.
I've also put together a free 7-Day Money Habits Challenge to help people take a few small, manageable steps toward better financial habits.

You can explore it here:
https://moneyhabitsforme.com/7-day-money-habits-starter/

Here's a question for you: What's one money habit you'd like to change, even if it's small?

10/24/2026

Where did your money go this week? Take five minutes to review a few purchases, spot one surprise, and choose one small change.

Want help taking the next step? Join my free 7-Day Money Habits Challenge:
https://moneyhabitsforme.com/7-day-money-habits-starter/

Small steps. Better money habits.

10/24/2026

Ever check your bank balance and think, “I don’t remember having that much fun”?

Try a five-minute money check-in this weekend:

• Look at your last few purchases.
• Find one expense that surprised you.
• Choose one small change for next week.

No need to fix everything before Monday. Just notice something you can do differently.

That’s the idea behind my free 7-Day Money Habits Challenge—small, practical steps to help you pay closer attention to your money.

Start here:
https://moneyhabitsforme.com/7-day-money-habits-starter/

What tends to sneak up on you—groceries, takeout, subscriptions, or something else?

10/22/2026

Ever check your bank balance and wonder, “Where did it all go?”

Try this today: look at your last five purchases.

No spreadsheet. No guilt. Just five purchases.

Was each one something you needed, enjoyed, or barely remember buying?

The point isn’t to eliminate everything you enjoy. It’s to notice where your money goes—and decide whether you’re happy with that.

Better money habits can start with something that small.

Want a little structure? My free 7-Day Money Habits Challenge gives you one manageable step each day.

https://moneyhabitsforme.com/7-day-money-habits-challenge/

What small expense tends to sneak up on you?

Start the free 7-Day Money Habits Challenge with short daily emails, practical worksheets, and simple steps you can use.

10/20/2026

Knowing what we should do with our money and actually doing it can be two very different things. I’ve had plenty of practice with that gap myself.

That’s why I created the free 7-Day Money Habits Challenge. It gives you one small, practical step each day to help you understand your money and build habits you can keep using.

You don’t need to have everything figured out before you start. Starting is the point.

If that sounds useful, take a look at the post below. And if someone you know could use a little encouragement with their finances, feel free to pass it along.

**Want to build better money habits but aren't sure where to start?**

Sometimes the hardest part of managing money is simply getting started.

That's why I created the free **7-Day Money Habits Challenge** at Money Habits For Me.

Each day introduces one practical step to help you understand your money, think about your spending, and develop habits that work for your life.

No complicated financial terminology. No expensive program. Just seven days of useful information delivered to your inbox.

You don't need to change everything overnight. You just need a place to start.

**Start the free 7-Day Money Habits Challenge:**

https://moneyhabitsforme.com/7-day-money-habits-starter/

10/19/2026

**Want to build better money habits but aren't sure where to start?**

Sometimes the hardest part of managing money is simply getting started.

That's why I created the free **7-Day Money Habits Challenge** at Money Habits For Me.

Each day introduces one practical step to help you understand your money, think about your spending, and develop habits that work for your life.

No complicated financial terminology. No expensive program. Just seven days of useful information delivered to your inbox.

You don't need to change everything overnight. You just need a place to start.

**Start the free 7-Day Money Habits Challenge:**

https://moneyhabitsforme.com/7-day-money-habits-starter/

10/13/2026

https://moneyhabitsforme.com/socialism-and-capitalism/

Explore socialism and capitalism in plain language: fair-share taxes, benefit cliffs, and the incentive to work, build wealth, and move beyond assistance.

10/09/2026

https://moneyhabitsforme.com/taxes-and-banking/

Taxes and banking made practical. Understand take-home income, accounts, fees, withholding, refunds, and records. Choose a clear next step.

10/08/2026

https://moneyhabitsforme.com/how-to-challenge-and-negotiate-a-medical-bill/

Negotiate a medical bill by checking for errors, comparing insurance charges, asking about discounts, and discussing a payment plan you can afford.

10/08/2026

Ever look at your bank balance and think, “Wait—where did it all go?”

You don’t have to untangle everything in one sitting.

The free 7-Day Money Habits Challenge gives you one short email a day, simple steps, and downloadable worksheets. Set aside about 5–10 minutes to get started.

Here’s my suggestion: don’t just read the emails. Try one action, write down what you notice, and keep one useful habit going after the week ends.

No perfect budget required. Just a place to begin.

👉 Join the free challenge:
https://moneyhabitsforme.com/7-day-money-habits-starter/

Start the free 7-Day Money Habits Challenge with short daily emails, practical worksheets, and simple steps you can use.