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9 Simple Powerful Habits to Boost Your Finances Now!

Updated on June 24, 2015

1) Read Finance Books

Financial education is really worth investing. Not all schools have lessons that teach this. Thru reading of books wrote by financially successful authors, they act like your financial mentors as well. The following are my recommended books that I myself have read already. They are really worth your time.

  • Robert T. Kiyosaki's Rich Dad Poor Dad

His personal story of having two dads (poor and rich) is an eye opener. His principles will shock us because it's out of the norm: like our house is not an asset. Sounds intriguing? Give it a shot.

  • Thomas J. Stanley's The Millionaire Next Door- The Surprising Secrets of America's Wealthy

The title itself is very interesting. It really breaks our belief that true wealthy people lives luxuriously but in reality they live simply. It's inspiring and will get you motivated.

  • Paulo Coelho's The Alchemist

Some might be surprise for this recommendation but you will also be surprise because this novel is full of lessons to live a life with big dreams that comes with a true purpose. I personally just finish reading it in two and a half days because it is engaging and there's a lot to learn from it.

2) Limit TV Watching

Time is money and time is precious .Instead of spending an hour or two on some shows or news that can make your day bad, spend it in something creative like writing a blog that may inspire others. Aside from the unhealthy effects of prolonged sitting in front of TV, it snatches our time away from our family .If we limit our time on watching TV it also cuts the cost of our monthly electric bills. Just only choose the shows we watch wisely.


3) Exercise

If we take good care of our body by exercise, we not only achieve a fit physique but we can avoid spending money on medicines and hospital bills.Exercise results to a healthy mind as well and with a healthy mind comes right decisions specially on making purchases.Sounds like a win-win situation for everyone.

4) Pay Yourself First

A principle that's hard to apply especially if the bills are on the way. But if we develop this habit, it shows our value to ourselves because we work diligently. It's also a confidence booster because we can see where our money is going and not wondering where it goes. It's good to make an individual bank account on this. Just get at least twenty percent of your salary and the rest will be on bills and other personal expenses.


5) Budget

Be it on your groceries or movie dates. Everything must be on a budget. It's a way of commanding your money where it should be spent. It will surely create less stress and will make your every spending habit counts.

6) Pack Lunches

Healthy to the body and to our pockets. It paves the way to freedom of choosing what we put in our body and not just what anything fast food restaurants offer. We tend to splurge on food if we are starving but if we already set what we eat in our lunch, that's money saved.


7) 30 Day Rule

To many of us who tend to make an impulse buying, this habit is what we need. It works this way: When you saw something you want to buy like new pair of stilettos or a smartphone, don’t buy it yet. Leave the store and when you get home, write down the item you want to buy ,the date, and the store you found it and post it on your fridge, mirror or some place you can see it .If after thirty days the urge to buy the item is still there, then consider buying it.

8) Live Below your Means

If we live within our means then there’s nothing left for us to save. So the solution is to live below our means. Remove those things we buy that really don’t matter and are just consuming space at the garage.


9) Stop borrowing(as much as possible)

There’s got to be other way. Use your own genius. If borrowing may seem a good and easy idea to our problems, it’s not because it comes with interest rates and stress of paying that debt in sometimes a short span of time


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    • kristinekaren profile imageAUTHOR


      3 years ago from Philippines

      Thanks healthylife2! The 3o day rule is my personal favorite as well.

      fpherj48,I'm glad you find it wonderful!I too have been determined to always be budget minded,finances is something we are never too old to learn.

    • fpherj48 profile image


      3 years ago from Beautiful Upstate New York

      Wonderful hub filled with excellent advice. Congratulations for being so money smart! I'e been a budget-minded/Money Saving/ recycling/frugal-living guru since old enough to count. It's in my DNA and lifelong lessons from a Financial Wizard of a Mom!...UP+++

    • healthylife2 profile image

      Healthy Life 

      3 years ago from Connecticut, USA

      These are excellent tips that I really need to follow. I like the idea of paying yourself first so you don't feel deprived and maybe even feel a little less resentful about paying bills. I also like the 30 day rule and need to tone down my excitement when I see something I want.


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