What if you could make simple lifestyle changes that are guaranteed to help you get your finances organized? Below are 10 no-bullshit habits on the go that are guaranteed to change your financial life. 

Retirement savings

Financial illiteracy cost American adults $415 Billion in 2020 alone! Financial literacy helps you to earn, save, build, invest, grow and protect your money. You can learn about keeping your finances together from books and financial blogs. The rich get ahead because they understand basic financial concepts.


You know you don’t really need that new shirt or a new car. You haven’t spring-cleaned your wardrobe in the last six months, there are still unworn clothes in there. Delaying gratification helps you to manage your money better by preventing you from spending on irrelevant things that YOU DO NOT NEED!! It also helps you to develop your self-control, higher income as a result of saving, improved savings, increased fulfilment, and increased emotional health. Before you make that purchase, think. A fool and his money are soon parted. 


A whopping 21% of Americans have $0 in savings! I bet you’re one of them. Don’t feel bad! You’re not alone, trust me. You need to pay yourself first, to have peace of mind, financial stability, decreased spending, build emergency savings and increase your retirement savings. You’re not too old to start planning for your retirement.


A wealthy mind lives in a healthy body. Physical exercise and eating the right foods leave you energized and ready to put in good work, leading to better incomes. 76% of millionaires exercise and care for their health. These are quick healthy habits you can start practising now: Drink water, at least 8 glasses every day- heaven for your kidneys( Kidney Transplants are pretty expensive), Eat Healthy, ”out with the junk, in with the healthy foods, an apple a day keeps the doctor away. Exercise daily, even for 10 minutes, this strengthens your heart muscles and lungs. Daily Meditation- to keep you focused on your millionaire goals. And lastly, avoid negative people and keep your spirits up.


Your competition is not other people. Your competition is your procrastination, your indiscipline, your laziness, your demotivation. Do something. Take action. If you have all the financial knowledge in the world, it would mean nothing if you do not take action.  Fall Forward, embrace your fear, set realistic goals, live with moderation, stop comparing yourself to other people. Stay focused on your long term goals. With excuses, the only person you’re lying to is yourself.


Of course, we couldn’t skip this point.

Did you know that 47% of American Adults carry credit card debt?  Credit card debt is bad debt because it affects your health in many ways, it leads to increased stress, lower credit scores and decreased cash flows. You pay extra fees, charges and interests. Heaping up credit card debts is literally robbing your future self. Don’t be a robber.


If just making money is your only end goal, then you’ve got things a little mixed up. Jim Rohn says, ‘set big goals, not just for the sake of achieving them, but for what it would make of you to achieve them’. Aspire to make more money so that you can have the freedom to do all the other things you want to do but never have the time to; such as spending more time with your family, travelling, pursuing your hobbies, hepling others etc.

Make money, then make money work for you.


Was it Kobe Bryant who said that? I’m not sure anymore. But you get my point. Hard work beats talent when talent doesn’t work hard. In today’s world where people have multi abilities, you’ve got to put in a god amount of work to get good results. If you want something bad enough then you must work for it hard enough, even if the conditions don’t seem favourable.


In other words, network with the wealthy. Make friends of them, associate with them, soon enough you will begin to pick up some of the habits that have made them and kept them wealthy. Mentors unlock your true potential.


You may think this is  Bullshit, but Robin Sharma did not write the book ‘The 5 AM Club’ for nothing. Getting up when your alarm goes off will leave a positive imprint on you as you start your day, as you get up, meditate, get in some quick exercises and tick off tasks on your To-Do lists. The positive energy you’ll get from accomplishing your set tasks will leave you feeling great with yourself and boost your productivity levels.

Early to bed, early to rise makes one healthy, wealthy and wise. The early birds gets the worm, really!

Bonus Tip:


Now, right where you are with what you have.

There is no better time than now. 

The best time to plant a tree was 25 years ago, the next best time to do that, is  now. There is no such thing as the perfect time. Tell procrastination that it will not win today.