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How bad do you want to have financial success? That’s the question you must ask yourself before you read any further. Are you willing to change, sacrifice or create new habits that help foster success? Taking a close look at your habits provides insight into what has worked so far for you, but it also allows you to make conscious changes. Below are 6 habits that you must eliminate to increase your odds for success.

Counting Others Pockets/Comparing

How much energy would you say you expend on thinking about reality TV, celebrities, or what your neighbors were doing last weekend? If you take that same amount of energy away from that and use it towards something lucrative, wouldn’t that be much better use of your time? Stop wasting your time, give your time and attention to things and people that will make you a better person and advance your lifestyle.

You must remember that this is your race. The only person you are competing with is you. Your goal should be to beat your own best, no one else’s. If you’re too busy looking around to see what everyone else is doing you often miss what you should be doing.

Turn Off the Television

I’m not saying never watch TV again, but watch it purposefully. Decide how many hours you are willing to devote to watching the tube and then schedule when and what you’ll watch. When it’s over turn it off and focus your time on things that add value to your life or get you closer to your goals.

Spending More Than you Earn

Living paycheck to paycheck is not a good feeling, but having more month than money is even worse. Just in time living can be very stressful, not to mention causing significant financial setbacks. If overspending is a problem, it’s time to learn how to stop and learn how to delay gratification. By setting goals that are bigger than your vices, you increase your odds for success.

No Savings Goals/Plan

Without a savings goal and a plan to achieve it you’re on autopilot cruising down the road to broke, it’s just a matter of time, believe me I’ve been there. You must set a savings goal and make contributions to hit that goal. I don’t recommend putting the funds anywhere you have easy access, but rather an account that may be a little harder to get to. The Capital One 360 Savings account offers no fee savings accounts online that allow you to make deposits regularly from your bank account. If you can’t see the money in your account, you’re less likely to spend it.

Thinking You Have More Time Than You Actually Do

Unfortunately, this is a mistake that most people make. They wait for the perfect time to start, but fail to realize there is no perfect time. The past no longer exist and the future is an illusion, all we have is right now. Everyone has the fear of the unknown, but if you are able to harness that fear and mold it into something gainful, you will reach your goals.

Making Excuses

Repeat after me, “I just didn’t do it.” These are the most liberating words in the English language, but also the ones that make you self reflect and ask yourself the real question, “Why didn’t I do it for real?” Sure things happen and we miss deadlines or forget assignments, but the worst thing you can do to yourself is explain why you didn’t do it, because at the end of the day ‘others don’t care. Successful people become successful by owning their achievements but also failures and shortcomings. The key is to recognize you missed the mark and work to hit a bulls-eye the next time out.

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