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The 3 Financial Habits Keeping You Stuck (And How to Fix Them!)

budget Mar 21, 2025
Image with laptop, crushed paper, notebook and glasses. The notebook says to build good habits.

 

๐Ÿ’ธ Ever feel like no matter what you do, you just can’t seem to get ahead financially?

 

If you’re constantly stressing about money, struggling to save, or feeling like you’re on a hamster wheel of expenses—chances are, your financial habits are keeping you stuck.

The good news? Once you recognize these habits, you can break free and start building real wealth. ๐Ÿš€ Let’s dive into the three most common money habits that hold people back—and how to fix them!

 

 

๐Ÿšฉ Habit #1: Spending Without a Plan (a.k.a. “Where Did My Money Go?” Syndrome)

 

If you’re not tracking where your money is going, you’re likely overspending without realizing it. Even small, everyday purchases—like that extra coffee run or a few impulse Amazon buys—can quietly drain your bank account.

 

๐Ÿ“‰ The Problem:

  • You don’t know exactly how much you can spend guilt-free each week.
  • You rely on your bank balance to tell you what you can afford.
  • Your money is gone before you even get a chance to save.

 

โœ… How to Fix It:
โœ”๏ธ Use the Mojo Number Method – Calculate exactly how much you can spend each week without derailing your financial goals.
โœ”๏ธ Track your expenses – Even a simple budgeting app or spreadsheet can help.
โœ”๏ธ Give every dollar a job – Plan your spending before the month begins!

๐Ÿ”— Find your Mojo Number hereClick to learn how

 

 

๐Ÿšฉ Habit #2: Only Saving What’s Left Over (a.k.a. The "Oops, I Forgot to Save" Cycle)

 

Most people spend first and save later—but that’s backward if you want to build wealth.

 

๐Ÿ“‰ The Problem:

  • You treat saving as an afterthought instead of a priority.
  • If you have extra money, you spend it instead of saving it.
  • You want to save, but life keeps getting in the way.

 

โœ… How to Fix It:
โœ”๏ธ Pay yourself first – Automate savings before you spend a dime.
โœ”๏ธ Set up direct deposits – Have a percentage of your paycheck go straight into savings.
โœ”๏ธ Make savings feel effortless – Use a high-yield savings account to grow your money faster.

๐Ÿ”— Need a better savings plan?Check out this free course 

 

 

๐Ÿšฉ Habit #3: Avoiding Investing Because It Feels “Too Complicated”

I

nvesting is one of the fastest ways to build wealth, yet many people delay or avoid it completely because they think:

๐Ÿ’ญ “I don’t have enough money.”
๐Ÿ’ญ “I don’t know where to start.”
๐Ÿ’ญ “What if I lose everything?”

 

๐Ÿ“‰ The Problem:

  • Not investing means you’re losing money to inflation.
  • You miss out on compound growth (which can turn small investments into a fortune!).
  • You stay stuck in “saver” mode instead of wealth-building mode.

 

โœ… How to Fix It:
โœ”๏ธ Start small – Even $50/month in an S&P 500 index fund is better than nothing!
โœ”๏ธ Set up automatic investments – Treat it like a recurring bill.
โœ”๏ธ Stick to long-term strategies – Investing isn’t about “timing the market”—it’s about time in the market.

๐Ÿ”— Want to start investing but don’t know how?Check out this blog 

 

 

๐Ÿš€ The Fastest Way to Fix These Habits & Build Wealth

 

Breaking bad money habits doesn’t happen overnight—but with the right strategy, you can turn things around FAST.

That’s where the Money Mastery Bootcamp comes in. It’s designed to help you take control of your money, stop bad habits, and build real wealth—without feeling overwhelmed.

 

๐Ÿ“ข Spots are limited! Join the waitlist NOW and get 20% off before it fills up!

๐Ÿ‘‰ Sign up today!

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