"You do not rise to the level of your goals. You fall to the level of your habits."
I angrily grab my jacket and storm out the door. I just got into a heated argument with the manager who made the schedule for the week. I knew that I wanted time off to go hang out with some friends out of town. I didn't get the time off, however. Now I'm unable to go and have to cancel my plans.
It takes a while to start my car. Something needs to be fixed, but I don't have the money to go to the mechanic right now. I finally get it to start, and I'm able to drive home.
I get home, still in a rage, and I check the mail to find out that I have several overdraft charges at my bank. If I wasn't furious before, I'm furious now.
The next thing I know, I find myself at the local big box store frantically walking up and down the aisles trying to blow off steam, looking for stuff to buy. Of course, I don't have the money to buy anything, but that's why I have credit cards.
Stress shopping was a bad financial habit, but I didn't really know that I had it at the time. But that's the thing about habits; they happen without us really knowing that they're happening.
Bad Money Habits
Habits are automatic behaviors that we partake in. They happen without us really knowing that we're doing it. This is different from a routine. A routine is a set of actions that you regularly go through, but you consciously have to tell yourself to start the routine. For example, I don't have to shave every day. Therefore, every other day I have to decide if I'm going to shave today. It's