Simple Money Habits That Make or Break Your Financial Success

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Ep. 208 Simple Money Habits That Make or Break Your Financial Success

Let’s dive into the hidden habits that silently sabotage our finances – those tiny daily routines that can drain our financial power without us realizing it. I’ll walk you through practical, actionable strategies like the Daily Money Minute and financial check-ins to help you get organized and stop avoiding your money.

You’ll also learn about the 24-hour rule to prevent impulse spending and how small habits can compound to create big change over time.

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Podcast Key Points

00:00 – Unleashing Financial Power: Mindset & Habits
05:48 – Weekly Financial Check-In
09:20 – Wait 24 Hours Before Big Purchases
12:31 – Financial Growth and Support Options
14:17 – 14-Day Money Mastery Offer

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Common Financial Misconceptions and Silent Sabotage

Most people think that the big financial problems come from big mistakes, but usually, it’s those tiny little day in, day out compounded habits that end up sinking the ship. So if you avoid looking at your bank account unless you have to, you feel like money management or budgeting is a four letter word, it’s exhausting, it’s overwhelming. If you’ve said, I’ll get over organized with my finances soon, but it never ends up, like, actually happening. It keeps getting put off.

This is a perfect episode for you. So let’s get to it.

Transforming Stress into Unstoppable Success

This is the Your Money, Your Life podcast, the show where I help female entrepreneurs go from stress and struggle to unstoppable. Here we blend step by step strategy, mindset work, and emotion regulation so you can create unstoppable finances, build an unstoppable business, and truly enjoy your unstoppable life. It’s time to take my wisdom, my expertise to help you simplify money and go beyond the numbers.

I’m your host, Aimee Cerka. Welcome. I’m so glad you’re here.

Hidden Patterns That Drain Your Financial Power

We are in the middle of this miniseries on the hidden ways that we sabotage our finances and how to finally break free. Over the last episode and the next couple, we’re going to explore the real reasons money might feel harder than it should. And it’s not just about how much you make or how well you budget.

We’re gonna look at the silent mindset patterns, the tiny habits that drain your financial power, that’s today, and the tactical mistakes that sneak in behind the scenes. My goal is simple, to help you see these patterns without judgment so you can reclaim your power, take small meaningful steps towards unstoppable finances.

Whether you’re feeling stuck, frustrated, or just ready to feel more confident with your money, you’re exactly where you need to be. So last week, we talked about mindset and the emotion piece of it, and how we have these mindset habits, these beliefs that show up and they keep us stuck because we don’t even realize it.

Sabotaging Habits and How to Spot Them

So the next thing, what we’re gonna talk about today is your habits. The day to day. This is much more strategy, but it’s also an energy portion as well.

So some of those sabotaging habits that you might have. You avoid looking at your money. This could be not budging in at all.

This could be bank account balance budgeting where you’ve got money in the bank account and you’re good. You might have inconsistent or chaotic money routines. So you’ll take charge, you put the budget together, and you do great one month, and then you fall off again.

It’s like work, work, work, work, work, and then avoid. This also could be if you say yes to expenses or opportunities, maybe you’re investing in programs out of pressure or fear instead of confidence and alignment. And then energetic leaks if you were spending the mental energy worried about money and strategizing within your business and doing all the things, but you’re not actually taking action. We’re just thinking about it.

Okay? So we’re gonna talk about how to overcome some of those, but those are some of those, hey, red flags. This is where you’re probably sabotaging your finances.

Automation, Technology, and Avoidance

Another one that I don’t want to say that I just realized, but definitely came to mind recently is within budgeting, or your bookkeeping. If you use automation as a way to avoid it. Automation can be amazing.

Systems can be amazing, and I love utilizing them, but you can’t over automate. If you are trying to automate it to the point that you don’t really have to do it, you’re still avoiding looking at your money. And that’s a new one that we’re seeing show up much more prevalently with the case of AI.

And okay. Yeah. We’ll get to that.

The Daily Money Minute: Building a Positive Habit

So if you are avoiding your money, we’ll start with that one. One of the things that really should do, should look at, should work on somewhere in there, a quick strategy. Let’s do it like that. Quick strategy to help you overcome this is something that I call the daily money minute.

This episode is going to be a lot more about action, like, quick things that you can do to take action. Daily money minute. K? What you’re gonna do is you’re gonna check-in with your bank account every single day.

There is no meaning attached to it. That’s what we have to work on here. We’re seeing the bank account, we’re seeing the balance and it without attaching meaning to it.

So if it’s zero, doesn’t mean anything. Maybe something’s gonna show up. If there’s $5,000 in there, doesn’t mean anything.

Doesn’t matter what’s in the account. Good, bad, indifferent, doesn’t matter. You’re just looking at it without attaching meaning.

We’re checking in. No emotional, no beating yourself up. Do that.

K? That’s your daily money minute.

Weekly Financial Check-Ins for Consistency

And you’ll notice when we talk about several of these systems that they they build. And there there’s a reason for that because this kinda helps with that inconsistent or the chaotic money routines because they build on each other. So we have the daily money minute.

The next layer is your financial check-in. Your financial check-in is when you check-in with your finances once a week.

This is your designated time to worry about your finances. This helps with the you know, if you’re spending the the energy mental energy worrying about your finances, financial check-in. Designated time for you to sit there and stress about your money.

Make sure the bills are paid for the next couple weeks, check the mail, make phone calls you don’t want to make, all those things. We talked about that recently here on the podcast.

Also, within Money Mastery Academy, we have a whole section. It’s called winning on repeat. This is what that talks about, is these systems, how they build on top of each other so that you can do those things.

The Power of Incremental Habits and the Compound Effect

We want the systems, but small habits, incremental, the compound effect. Right? Also, have you heard it, like, the millionaire next door? Most millionaires and the millionaire next door talks about that. Most millionaires are not just, you know, millionaires overnight.

It’s so small, incremental. They’ve been saving consistently. We’ll just use $25. Whatever it is.

Like, time and time again, it doesn’t matter. They’re probably putting more than that in savings. But it compounds over time because they made those small habits.

That’s what we’re doing here.

The Importance of a Month-End Review

So your financial check-in, designate the time to worry about your money. And then when stuff comes up throughout the rest of the week, I’ve got this. It’ll be alright.

We’ll check on it with the financial check-in. We’ll make space for it. And that’s gonna take time to sit there and remind yourself that you’re okay.

There’s, somatic practices to, like, regulate your nervous system that you could be doing here. But you kinda just schedule it. It’s like, okay. I’m going to give myself space to do that.

But then there’s also the balance of not beating up yourself with yeah. Okay. That’s way too we can’t get that deep today. Financial check-in.

That helps with the energetic leads, making sure that you’re actually taking action, and the inconsistent chaotic money routine.

And then the third layer is your month end.

This is also why we created execution labs. So there’s that monthly space to check-in with your finances with support, really help ground you in, make the decisions that you need to. But this is where we do a business month then and a personal month then.

Make sure that, you know, you’re kinda putting a bow on the numbers for the month. Look at what you actually spent for the month versus what you budgeted. Where were annual expenses that came up?

Those are the expenses that we pay for on a quarterly or semiannual, less than monthly basis. We record those so that next year, it’s not a surprise that throws you off and stresses you out because we know it’s coming. Small habits that compound.

That’s your month end process. That’s, like, the biggest one there.

The 24 Hour Rule for Smarter Spending

There’s a couple of the year end ones, you know, and, like, tax. But once you have these key, these are the core. When you’ve got these figured out, then you’re good.

The other thing that I wanted to make sure that I mentioned today when we were talking about financial habits is the twenty four hour rule. So especially if you struggle with saying yes to expenses or investing in programs from the pressure instead of alignment. Set a dollar amount, whatever it might be. A hundred dollars is usually the example that I give.

So we’ll say a hundred dollars. If there’s something that you want to purchase that’s more than a hundred dollars, wait twenty four hours to buy it. Because if it’s out of pressure or out of excitement, that can be both.

Right? Like, the energy there can be really high energy and you’re super excited, and it’s not really a yes, but it feels amazing because of the excitement dopamine hit of the offer. Right? Or you can be stressed and pressured.

This has to work. I have to figure this out now, which there’s a point, yes, where you draw the line in the sand. You’re like, I’m going to figure this out now. I’m going to prioritize it, but it’s not there’s a difference in the pressure there.

That, like, sick to your stomach feeling, that’s what we’re avoiding with the twenty four hour rule, giving yourself space to make the decision.

And over time, as you start to learn to listen to your intuition, maybe you can make those choices faster. I know there was a program that I invested in recently that I made the decision I knew, intuitively knew. Like, in my gut, I felt it. It was like, okay. This is the time to invest in this program.

Stacking Habits for Long-Term Growth

I still waited the twenty four hours because I could. I wasn’t worried about bonuses or whatever else because I know that it’s going to work out the best way that it’s supposed to for me. So when we have these small stackable systems in place, we work on our energy.

We’ve got the right financial habits in place. Those behaviors that help us stay on track. And these, I think, are even more important because we can coast.

You’ve done a little bit of work on your finances. You’ve done a little bit work on your mindset, but then we kinda coast. It’s comfortable. Right?

But when you’re still doing the work, this is where you really create the space to grow. And probably heard the saying, you know, that fruit doesn’t just stay nothing just stays the same. It’s either ripening, growing, or rotting, losing its power.

I don’t want to be losing my power when it comes to finances. I don’t want to be rotting when it comes to my finances. This is something that I’m going to continue to grow in and to work on. Right?

And when you have these stackable habits in place, you know that you’re doing the work that you should should you need to be I don’t like using the word should. Doing the work that’s the aligned work for you. And you’re making progress.

You’re doing the things. You’re staying connected to the numbers and being able to grow as opposed to just coasting. Because if we don’t know where we’re at, you’re coasting.

Your Next Steps and Support Systems

Alright. So your homework for this one, I want you to identify one habit. Well, let’s start with this. Where’s one way that you are letting energy leak?

What’s a habit that we need to shift when it comes to money? Are you avoiding looking at it and we need to implement the daily money minute? Which one of those systems was like, oh, yeah. Okay. I’m letting that fall through. I’m not growing here.

Now remember, I’ve got two ways of support that I want to mention here that they’re important, first would be execution lab, your monthly space to check-in, ground yourself, move forward on the money tasks that usually get pushed aside. That’s what we talked about. It’s just $9 a month, and it’s the perfect way to stay consistent and create that lasting financial change without the pressure or overwhelm because it’s one time a month.

Right? And then, of course, if you’re ready to go all in to create real and lasting transformation, I would invite you to join me inside the unstoppable experience. That is my twelve month group mentorship where we blend the personalized financial strategies to get all the step by step strategy, deep emotional regulation, and mindset re rewiring so you can step into your unstoppable life.

We’re going to stop just managing money and start embodying your financial power. You’ll be able to see all the details for both programs inside the show notes. They’re amycirca.com/executionlab and amycirca.com/unstoppable.

Looking Ahead: Breaking Free from Financial Traps

I’ll see you in the next episode. We are only halfway through this little mini series on hidden ways that we sabotage our finances. So we talked about mindset. We talked about financial habits, those tactical financial habits.

And then next episode, we’re going to talk about those tactical traps though, but they keep us stuck financially. K? We’ll see you then.

Thank you so much for listening to the Your Money, Your Life podcast. I’ve got a special gift for you for sticking around to the end.

And if you’re tired of your finances being a mess, this is for you. What if you could take charge of your money without feeling even if you’re not a numbers person, even if you just don’t know where to begin, even if you don’t have the time, even if you failed in the past, and even if you don’t want to sacrifice your lifestyle?

Take messy action and finally make progress with your finances without feeling overwhelmed, pinching pennies, or staring at a spreadsheet for hours with the fourteen day money mastery action plan. And when you use coupon code podcast, I’m going to give you 40% off.

Just visit AimeeCerka.com/action and grab the fourteen day action plan for less than $20.