Intro
Building wealth isn’t about luck — it’s about the small decisions you repeat every day. These simple money habits take less than 10 minutes each, but over time, they can completely change your financial life.
1. Track Your Spending Weekly
Most people don’t know where their money goes. Use an app like PocketGuard or a simple Google Sheet to check your spending every Sunday.
2. Follow the 50/30/20 Rule
50% needs
30% wants
20% savings & investing
3. Save Before You Spend
Always move money to savings the moment you get paid. Even $20/week builds momentum.
4. Cancel Useless Subscriptions
Audit your subscriptions every month. Keep what you truly use.
5. Use Cash for Small Daily Purchases
Helps reduce impulsive spending.
6. Automate Your Bills
Prevents late fees and improves your credit score.
7. Build an Emergency Fund
Start with $300 → then $1000 → then 3 months of expenses.
Conclusion:
Small habits build big wealth. Start today with one habit and grow from there.
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