“You do not rise to the level of your goals. You fall to the level of your systems.” – James Clear

We all know the importance of habits; the small things we do on the daily that build our reality. Is being debt free your money goal this year? Here are our favourite habits to help you ditch your debt ⬇️💸

Practice delayed gratification

Impulse buying is tempting, but have you ever tried the 48-hour rule? Instead of buying something immediately, write it down and give yourself two days to think about it. Often, you’ll realize you don’t actually need it and your bank account will thank you! This small habit can make a big difference in your spending and savings over time.

Set your specific money goals

When it comes to paying off debt or saving up, vague goals won’t cut it. Set a clear, specific target and challenge yourself to hit it by a certain date. For example, if you want to pay off a specific amount of debt by the end of the year, break it down into manageable chunks and go for it! Let us do the hard work for you ✋ head to the debt tracker section of the app, enter your debts and we’ll figure out how much you need to pay off each month to reach your debt free date.

Stop comparing yourself to others

Trying to keep up with others is not only exhausting, but it can also lead to overspending. Instead of chasing trends or competing with what others are doing, focus on what you really want. Take a step back, give yourself a break, and concentrate on your own goals and desires. Your money journey is yours alone, and that’s what makes it special ✨

Nail your budget

Think of it as your secret sauce to being debt free. A solid budget will give you a clear picture of your money situation, helping you make informed decisions and stay in control. With a Financielle budget in place, you’ll know exactly where your money is going and can adjust your spending to align with your goals.

Get an accountability buddy

There’s no need to keep your money goals a secret! Talk to your friends, family, or anyone who will listen. When you share your goals, you create a support system that can keep you accountable and motivated. Plus, your friends might be more understanding of your money boundaries and could even join you on the journey. So go ahead, shout about your goals and make them happen!

Psst, head to the community to access your very own support network 🥹 We’re always on hand to keep you accountable, motivated and happy on your journey!