millennial london happy smiling sunglassesYou don't have to earn a fortune to have a bright financial future.Oli Scarff / Staff / Getty Images
While a six-figure inheritance or high-paying job can land you in the top 1% of earners, it's the little things — your money habits — that often make the difference between a life of prosperity and one of constant financial stress.
Just ask LearnVest Planning Services CFP® David Blaylock, who doesn't simply advise his clients on the merits of good money habits — he practices what he preaches.
For example, "I do a periodic review of all the subscriptions I have — the ones that hit my credit cards each month," says Blaylock. "You'd be surprised at how many subscriptions we all have and how many go unused. You could create some significant savings each month just by looking at those things."
Taking inventory of your recurring subscriptions and services is just one habit that can get you on the road to better fortune.
"If you look at the average amount of money you will earn over your lifetime, and figure out how many years you are working — most people earn more than a million dollars over their working life but very few people become millionaires," says Nancy Butler, a Certified Financial Planner™. "How they manage what goes through their fingers usually makes the difference."
So what are these easy changes that can help move you further along the road to prosperity? We asked two financial planners for their favorites.