6 Weekly Habits for Improved Finances

Interested in improving your finances? You’re here and checking out a personal finance blog, so you’re taking a good first step!

Unfortunately, it isn’t enough to just know and learn about personal finance. In order to improve finances, you have to take action.

It can be completely overwhelming to pay off potentially thousands of dollars of debt, save for the future, invest, learn to budget, and understand healthcare all at the same time.

The easiest way is to aim to improve your finances in an organized way. By focusing on doing a few small things a week, your finances will take a turn for the better.

If you’re looking to improve your financial situation, here are 6 weekly habits to start implementing now.

Remind yourself of your goals

Paying off debt is hard. Saving is hard. Convincing yourself not to buy something is hard.

So this one time, I tried to give up chocolate for a month because I eat way too much and it’s probably not that great for me (it’s good for my soul though…). After day 3, I couldn’t take it anymore. I went to the grocery store and got one of those ginormous king sized Reeses Peanut Butter Cups (my drug of choice.) I failed at my goal because instead of reminding myself of why I shouldn’t eat chocolate, I was only focused on what I shouldn’t have.

If you don’t remind yourself of your goals, sooner or later, you’re going to quit.

Put reminders of your goals in places you’ll see them. I keep a little notecard with my debt total in my wallet – it reminds me of my goal when I go to purchase something!

Check your bank accounts

If you don’t stick to a cash budget system, I highly recommend checking your bank accounts and credit card accounts daily.

I personally rarely use cash. I find it much too tedious and I find that having the physical money in my hand makes me spend more, strangely enough. Plus, I like using my credit card to get rewards and then I can see all my transactions without having to write them down.

However, if cash works for you, make sure that you’re updating your system daily. The last thing you want is to run out of money in the budget!

Update your “need to buy” list

Keeping a running list of items you need (or want) to buy not only keeps you organized, but it keeps you on budget.

By knowing what you need, you’ll stop buying out of impulse. Plus, you will be able to plan out your trips to the store strategically and go less often.

Keep a white board in the kitchen with items you need. I keep a running list of want items in a notebook and refer to these when it’s the holidays, birthday, or when I want to treat myself 🙂

Have weekly money talks with your significant other

Whether or not you have joint finances with your significant other, you should still talk about your money goals.

Money doesn’t have to be a taboo subject. The best significant other will push you and support you in meeting your goals.

If you do have joint finances, it’s vital to talk about money. See how you are doing on your budget, make adjustments as needed, and discuss any major expenses coming up.

Automate all your bills and savings

Weekly, check the status of any bills and savings you have on autopilot.

If you are interested in starting your own online savings account, I highly recommend Capital One 360. They give me a higher interest rate than a physical bank, are safe, secure, and have wonderful customer service. They have made savings fun!

Putting bills on autopay is an easy way to schedule out your payments and ensure you never miss one. Just make sure you put them on your calendar so you don’t forget and accidentally overdraft!

Read personal finance and self-improvement books

Reading is imperative to success. There are so many experts who write books, and you’ll learn more than you ever could have thought.

Not only should you read personal finance books, but self-improvement and career skill books are excellent choices. They’ll all help your financial situation. You should always be reading something!

This is a short list, but here are a few recommendations to get you started.



    In all, your financial situation likely won’t change overnight. You won’t be able to change all your habits at once and you’ll want to quit at times. But my implementing a new financial goal every week, you’re sure to be on your way!
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8 thoughts on “6 Weekly Habits for Improved Finances

  1. Agree with the entire list, also if, I tend to pay cash, in my personal case seeing money hang out from my wallet helps me to avoid implusive shopping, and yes IS IMPORTANT to have honest conversation about finances, savings and debts with your other half…

    1. Glad the cash system works for you! I don’t know why it doesn’t work for me. Maybe I just like knowing I get points when I do buy something with my credit card!

    1. I’m the worst at freezing as soon as I get to the store – I have to have a list or I am clueless!

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