Tip: don't shop when you're tired.
If you want to get your finances in order, you need to make a financial plan. Economists can give you great advice, but the biggest problem is that you usually don't follow that advice. Fortunately, there are effective strategies you can use to help you stick to the decisions you make.
How to stick to advice or a financial plan?
1. Be very specific about what you want to achieve
Save money every month. This sounds like a great move, but how much money can you save? This is the first thing you need to determine. How much to save! If the steps in your plans are vague, such as “spend less here” and “save more here,” it creates too much room for error. Be precise, make clear calculations of how much you can save.
2. You need to be sure that your plan includes concrete actions
So the steps you will take to achieve your financial goals. Change plans that include “eating out less” to “bringing meals from home”. One of the reasons you don't stick to your plans is because you don't translate what you want to achieve into a pattern of daily behavior.
Your actions must be concrete!3. Never shop when you are tired…
… nervous, stressed or hungry because that's when your self-control is at its weakest. This is a very important step!
4. When you feel tempted, think of the person who is financially responsible
When you want to start spending money on unnecessary things, think of a person who has good self-control and is financially responsible. Self-control is contagious. Research has shown that just thinking about someone who has self-control can increase your own.
5. Treat yourself to a reward for a job well done
Treat yourself to it every week or every month you've been financially responsible!
