Today is the final tip in our 3 part series to get our finances on the right track for 2019. So far we’ve covered savings and debt. Now it’s time to look at spending…or more precisely, how to spend money correctly!

I want you to feel into something that you really, really want. Feel the emotions of having it. Let yourself really go there!
 
Every time you are tempted to buy something, get into the habit of training your mind to ask: is this purchase worth delaying reaching my dream goal? 
 
We often desire something for a temporary hit of pleasure that will go away soon. It’s rather unconscious. In this case, the object or experience won’t really add much to your life. 
 
By creating a strong emotional link to what you really want and associating the pain of delaying it, you will naturally make much better spending choices.
 
Can you see that your capacity to manage what appears to be insubstantial day-to-day spending is intrinsically linked to your ability to achieve wealth and happiness long term?
 
This makes spending very strategic.
 
So what’s the best way to approach this?
 
Fortunately, there are wonderful free apps that make tracking fun and easy! 
 
In addition to making better spending choices, for at least one month, track every dollar you spend. I recommend Spendee, Buddy, or MoneyCoach. Using an app will show you how you’re ACTUALLY spending money – not just what you think you’re doing. The difference can be huge!
 
So what do we do with the excess savings? Spend it? Hell no!
 
Supercharge wealth-building even more by redirecting your newfound savings to pay down your debt years faster. Alternatively, you can set this money aside for emergency savings or investing. 
 
This is how the wealthy do it. They take the time to become crystal clear on what truly matters to them, and they don’t waste money on the things that don’t.
 
Well you made it!
 
How does saving money, paying off debt, and changing your spending habits FEEL to you now? What about the word wealth? Does it feel more attainable? Hopefully you are motivated, and even a little excited to create good financial health.
 
So my question to you now is: what will you do differently in each of these three areas – saving, debt, and spending?

I encourage you to SHARE your answers either with a loved one, or comment below and let me know! Voicing your commitment to others creates external accountability and will help you achieve your goals.