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#463
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Here are three money habits that you might have that are keeping you broke and the last one might surprise you Number one is impulse spending this derails any budget that you try to make and you get a temporary dopamine hit Which makes you temporarily happy but long term you're gonna be sad because you're spending all your money Fixing this issue does not happen overnight But what can really help are creating rules for yourself such as the 24 hour rule where if you see something you want to impulse by You make yourself wait 24 hours and nine times out of ten. You are not gonna want that thing anymore Also the savings match so if you're going to impulse spend something Only do it if you can send the same amount to your savings that way at least you're benefiting from the impulse spending Number two is ignoring your bank account because you're scared of what you're gonna see in there when you're ignoring your accounts and your money You are giving up your power and your control and you actually don't realize what's going on in your account What can happen is you have sneaky subscriptions that you either forgot about or people are charging you more than they should be For different things this happens a lot with Amazon you need to go in here and look at what's happening to fix this quickly Sit down and do an audit of your account and get rid of things that you do not use or need You might be surprised at the subscriptions that you're paying for automatically every single month that you didn't even know You were paying for where you don't use anymore or there are certain things that you didn't even sign up for that you're being charged for You need to do an audit see what's going on so that you can make a plan to move forward Number three is using one bank account for all your money when you have one bank account Where all the money is coming in and all the money is going out you have no separation within your money Which gives you less control and it is way way easier to overspend when you just have one account for everything go open a second Checking account just for bills and when you are paid transfer your bill money to that bill account and pay your bills from that Bill account only this will start to give you some separation within your money and you'll start realizing that it's a lot easier to Manage your money when you separate it like this make sure the second account does not have any fees Associated it is FDIC insured in that you can have a debit card with it My name is Ashley. I'm a money and budgeting coach and I've helped thousands of women get their financial shit together I have free resources at the link at the top of my page I have a free training you can go through I have a free savings goals worksheet and there's other resources in there as well Take charge do something that is going to bring you forward you can change your situation You have the power to create your reality you got this friend