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How Being Smart With Your Money Leads to Financial Success

Chris Brantner

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Achieving financial success is not something that just happens. Maybe if you win the lottery or something, but for the average person like you or me, it comes from a series of small steps you take over a long period of time.

With each step, you form a new smart money habit. And with each smart money habit, you build towards financial independence.

So what sort of habits can you form to get on that path? Let’s take a look at smart money habits you can start today to get you closer to a financially independent future.

1. Avoid being “penny wise but pound foolish”

It’s tempting to try saving a couple cents here and there when buying small items. However, that’s not where the real money is saved. You’re putting in extra effort for something that doesn’t move the needle.

You get the most bang when you’re able to cut down on your bigger bills. For example, finding a lower interest rate for your mortgage could save you $50+ per month. And cutting your transportation bill by purchasing a cheaper car or taking public transportation can provide large gains as well.

So, look at your recurring expenses such as housing, transportation, and insurance, and see where there’s wiggle room. It’s a much better use of your time than trying to pinch pennies here and there on smaller purchases.

2. When you want something big, wait

Impulsivity can get you in trouble in most aspects of life. Finances are no different.

It’s human nature to see something and want it right then and there. It starts as a kid in the checkout line at the grocery store, and it continues on through adulthood.

We get an idea in our head of something we want, and it’s hard not to go out and get it right then.

A good example is wanting a new car. Perhaps you’ve had your car for several years. It’s crossed the 100k mile mark. Maybe maintenance is due, and you’re annoyed that you need to replace the timing belt or purchase new tires.

So, you get the itch.

You start digging around online, and you realize you could trade in your current car for something newer and more exciting… all for a few hundred bucks a month. Then you get obsessed.

Here’s where you have to take a step back.

Your newfound obsession is clouding your judgement. Rather than giving into the impulse, wait it out.

Set a timeframe for yourself. Maybe you come back to the decision three months down the road. See if the obsession lasts.

It might, but often, a funny thing happens. Often, you forget about it. And often, you find that the new car wasn’t a need at all.

The impulse faded. And you just saved yourself a ton of money.

3. Live smaller than you can afford

You finally get that big raise. And you want to celebrate – and why not?

You’ve been looking forward to this forever. And after all, it was all due to your hard work.

That’s fine, splurge a little. However, make it a one-time deal and be done.

Don’t get caught in the trap that just because you’re now making more money, you should spend more.

Too often, people get more money and feel like they that gives them the means to buy a bigger house, a bigger car… you know the drill. Resist.

The fact is that living smaller than what you can afford is one of the fastest ways to build savings.

But if you constantly upgrade as you begin to make more, then you’ll never get ahead. You’ll just build up more debt along the way and have just as little wiggle room as before.

4. Practice smart grocery shopping

Food… it’s one of the biggest portions of any budget. And if you’re not careful, it can be one of the biggest drains on your wallet.

But luckily, there are a few things you can do to ensure that you stay smart with your money when buying groceries.

Create a grocery budget

Set a strict weekly grocery budget. When you know how much you can spend on groceries, you can then plan your weekly menu around it.

Once you know what all you need, you can go shopping and keep a running tally as you shop to ensure you’re on track.

I tend to do this in my head, rounding for each item. However, writing it down as you go would probably work best for most people.

Make a list… and never deviate

Never go to the grocery store without a list. If you go to the store with a ballpark idea in mind, you don’t have a true ide of what you need.

You’re not well-researched. You don’t know what the sales are. As a result, you’re going to make decisions on the fly.

These impulse decisions will lead to overspending, which will derail your grocery budget.

Eat before going grocery shopping

It’s also important to eat prior to going to the grocery store. Hunger is a powerful force.

If you’re shopping on an empty stomach, everything is going to look good. In particular, you may find a lot of ready-made, processed snacks will look enticing.

After all, you’re hungry now and that food is easily available. So subconsciously, you may lean towards those items.

Unfortunately, not only are those items typically less healthy, but they’re likely more expensive. You pay for convenience.

However, when you eat prior to shopping, then you’ll shop with a clear mind. Your hunger won’t cloud your judgement, influencing you to make poor decisions like a cartoon devil resting on your shoulder whispering in your ear.

This makes it much easier to stick to your grocery plan.

5. Cancel your gym membership

Now that you’re all set on your food, it’s time to get smart about managing your budget in terms of physical fitness. And let’s begin by avoiding the gym. The gym bill,that is.

The average gym membership costs around $60 per month. That’s $720 a year.

Yet, two out of three gym memberships go unused. That means two-thirds of people who have a gym membership are literally giving away almost a thousand bucks a year. It’s crazy!

I recommend seeking an alternative. One good alternative is to look into fitness streaming services.

Streaming services allow you to stream hundreds of workouts like Insanity and p90x, right in your own home for around $10-20 a month. That’s $40-50 less a month than the average gym membership.

Of course, then there’s the free option. The internet is full of free workouts that you can do on your own with minimal or no equipment.

For example, there’s the Couch to 5K program, that I personally used a decade ago to ease myself from couch potato to running my first 5K race. If I could do it, anyone could.

Then there are free resources like reddit that have limitless information on workouts. The Fitness subreddit has done all the research for you, populating workout tips and detailed workout routines for anyone to use in their wiki.

There are several routines that require no equipment. And you can join in on the subreddit to become part of the community, making it easier for those seeking comraderie and encouragement in their fitness goals. All for free.

It’s baby steps… And baby steps can start now!

I’ve never met anyone that can’t stand to be a bit smarter with their money. And on the flip side, anyone can get smarter with their money. But remember, it doesn’t happen all at once.

Begin by fighting your impulses. Prepare for the week and be smart at the store. And cut monthly expenses like gym memberships that are overpriced and you probably aren’t getting your money’s worth out of anyway.

The devil is in the details. And the details can change your lifestyle and prep you for a financially independent future.

5 Decisions You Will Regret Forever

/Travis Bradberry/

Our days are filled with a constant stream of decisions. Most are mundane, but some are so important that they can haunt you for the rest of your life.

A recent study from Columbia University found that we’re bogged down by more than 70 decisions a day. The sheer number of decisions we have to make each day leads to a phenomenon called decision fatigue, whereby your brain actually tires like a muscle.

A new study from the University of Texas shows that even when our brains aren’t tired, they can make it very difficult for us to make good decisions. When making a decision, instead of referencing the knowledge we’ve accumulated, our brains focus on specific, detailed memories.

For example, if you’re buying a new car and trying to decide if you should go for the leather seats, even though you know you can’t afford it, your brain might focus on memories of the wonderful smell and feel of the leather seats in your brother’s sports car, when it should be focused on the misery you’re going to experience when making your monthly car payments. Since you don’t have memories of this yet, it’s a hard thing for your brain to contemplate.

“I am not a product of my circumstances. I am a product of my decisions.” –Stephen Covey

Some decisions are minor, such as what to eat, which route to drive to work or in what order to tackle tasks; others are more difficult, such as choosing between two job offers, whether to move to a new city for someone you love or whether to cut a toxic person out of your life. Regardless of the magnitude of the decision, our brains make it hard for us to keep the perspective we need to make good choices.

Related: 10 Ways Successful People Make Smart Decisions

Bronnie Ware spent her career as a palliative care nurse, working exclusively with people who were three to 12 months from death. She made a habit of asking them about their greatest regrets, and she heard the same five regrets time and time again. By studying these regrets, you can make certain that you make good choices and don’t fall victim to them yourself.

1. They wish they hadn’t made decisions based on what other people think.

When you make your decisions based on other people’s opinions, two things tend to happen:

• You make a poor career choice: There are too many people out there who studied for a degree they regret or even spent their lives pursuing a career they regret. Whether you’re seeking parental approval or pursuing pay and prestige over passion, making a poor career choice is a decision that will live with you forever.
• You fail to uphold your morals: When you get too caught up in what your boss thinks of you, how much money you think your spouse needs to be happy or how bad you will look if you fail, you are at high risk of violating your own morals. Your intense desire to make yourself look good compromises your ability to stay true to yourselfand, ultimately, to feel good.

The best way to avoid falling prey to the opinions of others is to realize that other people’s opinions are just that—opinions. Regardless of how great or terrible they think you are, that’s only their opinion. Your true self-worth comes from within.

2. They wish they hadn’t worked so hard. 

Working hard is a great way to impact the world, to learn, to grow, to feel accomplished and sometimes even to find happiness, but it becomes a problem when you do so at the expense of the people closest to you. Ironically, we often work hard to make money for the people we care about without realizing that they value our company more than money. The key is to find a balance between doing what you love and being with the people you love. Otherwise, you’ll look back one day and wish you’d focused more on the latter.

3. They wish they had expressed their feelings. 

We’re taught as children that emotions are dangerous and that they must be bottled up and controlled. This usually works at first, but boxing up your feelings causes them to grow until they erupt. The best thing you can do is to put your feelings directly on the table. Though it’s painful to initiate, it forces you to be honest and transparent.

For example, if you feel as though you don’t make enough money at work, schedule a meeting with your boss and propose why you think you’re worth more. As a result, she will either agree with you and give you a raise or disagree and tell you what you do need to do to become more valuable. On the other hand, if you do nothing and let your feelings fester, this will hinder your performance and prevent you from reaching your goal.

4. They wish they had stayed in touch with their friends. 

When you get caught up in your weekly routine, it’s easy to lose sight of how important people are to you, especially those you have to make time for. Relationships with old friends are among the first things to fall off the table when we’re busy. This is unfortunate because spending time with friends is a major stress buster. Close friends bring you energy, fresh perspectives and a sense of belonging, in a way that no one else can.

5. They wish they had let themselves be happy. 

When your life is about to end, all the difficulties you’ve faced suddenly become trivial compared to the good times. This is because you realize that, more often than not, suffering is a choice. Unfortunately, most people realize this far too late. Although we all inevitably experience pain, how we react to our pain is completely under our control, as is our ability to experience joy. Learning to laugh, smile and be happy (especially when stressed) is a challenge at times, but it’s one that’s worth every ounce of effort.

Some decisions have repercussions that can last a lifetime. Most of these decisions are made daily, and they require focus and perspective to keep them from haunting you.

12 common, expensive things that aren't worth your money

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• Whether you're overpaying for cellular data each month or choosing a large cable plan over streaming services, there are several ways you can cut costs and only pay for what you use and need.
• We spoke with several financial planners about common, expensive things that most people can do without.

Showing off lavish items is an undeniable aspect of American culture, but when it comes to making sound investments in expensive items, there are some purchases financial planners say you should likely exclude from your budget.

Several expensive items are becoming obsolete solely based on the age of their potential consumers. Millennials are opting for streaming services instead of cable packages with hundreds of channels that will never be watched, for instance. Other packages including unlimited data plans are also not worth the money, according to one expert we spoke to.

Before making an expensive purchase, ask yourself if you can find a cheaper product that will bring as much joy, Jeremy Straub, CEO of Coastal Wealth, told Business Insider. He said that while asking for joy from a product may be cheesy, it could help you think of a big purchase differently.

Another question to ask yourself, Straub said, is: "Could I use this money on an experience that would last a lifetime?"

Business Insider spoke with several financial planners over email about common, expensive things that most people can do without. Take a look at the 12 items they say aren't worth the money.

Unlimited data plans

Alex Wong/Getty Images

Unlimited data plans look attractive on the outside, with a lure of saving, but the average person's mobile data usage in the United States is 2.8 GB per month, according to the Organization for Economic Cooperation and Development .

"People should stop paying for data that they don't use," said Rob Webber, savings expert and founder and CEO of MoneySavingPro.

One key thing to remember is that unlimited data doesn't mean unlimited LTE or 4G data, Webber said. Major carriers provide between 22 and 50 GB of high-speed data before reducing speeds.

"This money could be allocated elsewhere in their budget," Webber added.

Gourmet coffee

Reuters/Kim Hong-Ji

The difference between crafted gourmet coffee and coffee you make at home is the price and place of consumption. While many people prefer high-end coffee, it can be a spending trap, especially when you're paying for the coffee to be made in front of you. Going to Starbucks once a day, for example, and spending anywhere from $3 to $5 on a latte could cost you hundreds per month and thousands a year.

"You can make it yourself at home for much less," said Megan Luke, Senior Vice President and Retail Distribution Sales, Service and Operations Director at PNC Bank.

Name brand everything

Ilya S. Savenok/Getty Images

Making an investment in a luxury handbag or designer shoes can be worth the money if it spends more time on the streets than in a closet. However, purchasing an entire wardrobe of name brands clothes is not worth the investment, said Jeremy Straub, CEO of Coastal Wealth.

"Mix and match price points and only invest in a few designer staples you can wear often and with multiple outfits," Straub said.

New smartphones

Getty Images

Before running to the nearest Apple or Android store, take a step back and consider the necessity of an upgrade before spending a boat load on it.

"Consider this, you could pay $550+ for the iPhone 7 or you could pay $1,000+ for the iPhone X. The only main differences between the two are that the iPhone X can charge wirelessly and unlock your phone with your face. Could you live without those features? Definitely," Webber said. "Could you find a better use for the $450 you saved by getting the iPhone 7? Absolutely! My advice buy a slightly older model for half the price."

Nice watches

AS photo studio / Shutterstock

While many hold a shiny, new, brand name watch as a status symbol, it is not a necessity.

"Smart watches have changed the game, so you don't necessarily need a Rolex to show your status' anymore," Straub said. "More and more wealthy people are choosing to wear an iWatch instead of the IWC."

Cable TV plans

BrunoRosa/Shutterstock

Netflix and save? Most millennials are not purchasing large cable packages like their parents. More and more people are ditching the dish and sticking to streaming because they don't want to pay for hundreds of channels when they only watch a few, Webber said. He added: "My advice would be to opt for a live streaming service like Sling TV or DirecTV now and save 50%."

A dozen roses on Valentine's Day

Sarah Jacobs/Business Insider

On average, a dozen roses will cost about $50, box and all. For the upcoming holiday, show your love through more meaningful gestures, like cooking a meal or spending the day exploring something new, Luke said. "There are less expensive and more fun! ways to show your affection," she added.

Self-charging robot vacuums

Thomson Reuters

Though self-charging and cleaning vacuums are popular in millennial households, they are extremely costly and tend to leave a spot. Additionally, they have little resale value if you decide you don't want an automated machine wandering your house, said Erach Screwvala, an estate planning attorney. "A traditional vacuum is a more cost-efficient option," he said.

Heavy furniture

AP/Nati Harnik

People tend to spend a good amount of money on large, heavy, and expensive furniture to fit their perfect vision for a home. But for millennials who move frequently or change tastes, it is not the best investment to purchase large pieces of furniture, according to Straub. "You don't want to be stuck with pieces you have to sell for a fraction of your purchase price," he said.

Overpriced steakhouse dinners

Shutterstock / Denis Kornilov

A luxurious date idea or group outing may include an over-the-top steakhouse dinner that you could have easily enjoyed for less money. Luke recommends trying local, lower-priced options that can give you a great experience that won't hurt your wallet. "Or, even better, make it at home," she said.

Loans to family members

Sebastiaan ter Burg/Flickr

Lending money to family members is a slippery slope. "We all too often see that the agreement of pay back to our clients is never as discussed when it comes to loans given to family members," Straub said. "I would try to stay away from these types of personal loans."

"Fine" jewelry

Shutterstock

It's easy to think of jewelry as a good investment, which it can be when you're in possession of natural diamonds, emeralds, and other precious gems. However, Screwvala said your jewelry may not be as inherently valuable as you think.

When looking into purchasing valuable stones, be sure to do your research. Screwvala said jewelers may use lab-grown diamonds which have no inherent or resale value. "As they're neither precious nor rare, they won't receive a meaningful appraisal, which means as soon as you leave the store, the value will start to decrease," he said.

Natural diamonds will retain their value over time due to their rarity, meaning it can be passed down from generation to generation or sold later down the line. "If you are given the option you should go for the real thing every single time," he said.