Personal Budgeting and Money Saving Tips

Why You Need a Budget

Creating a Budget

Budgetary Advantages

Budgeting Hints

5 Pitfalls to Avoid

Saving for Retirement

Money Saving Tips

Financial Planning

Talking About Money

Future Plans

Where Does It Go?

What's Cash Flow?

Your Net Worth

Stop Spending Leaks

Getting Ahead

Practice Self-Control

Developing a Plan

Spending Guidelines

Plan For Savings

The Cost of Credit

Getting Outta Trouble

Credit Card Blues

Keeping Records


Related Services

 Budget Profiler

Practicing Self-Control

How do you practice self-control? It's a slowprocess. Decide which strategies you are willing to try. Set some realistic deadlines for yourself.

There has been some psychological research done indicating it takes twenty-one days to break an old habit and form a new one. So don't expect miracles to happen overnight. We have also learned through weight control research on behavior modificiation that it is difficult to change all old habits at once. Just take one habit you want to change and work on it until you succeed and then move on to the next one.

Be sure to set realistic goals and realistic deadlines. Do not go on indefinitely--that's just procrastination. Develop a plan that will give you measurable results. For example, you can measure how much you have saved by not smoking a pack of cigarettes a day.

Put your plan into action. Start today with your new plan. Launch your new plan with as strong a push as possible. Make an open commitment so others in your family know you are serious about reaching this goal. Arrange your environment to encourage your new habit. Practice it daily. Do something every day to reach your goal. Don't allow an exception to occur until the new behavior is part of your daily life and above all--don't get discouraged.

Good money management habits mean getting the most for your money. Look at your habits today--are you getting the most for your money?


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