Here are some tips for making good money choices from the moment you get out of bed in the morning, until you close your eyes at night.

Financial security rests on a foundation of good money choices. Every day we’re faced with thousands of little decisions, many of which have financial implications, for better or worse. Our aptitude to consistently make good decisions plays a huge part in whether or not we achieve monetary success.

For example, when you’re at the shop, do you consistently choose only the foods you need, or do you find yourself loading the basket with unnecessary items like sweets and chips?

Here’s another example: When you’re out with your friends, do you keep control of your wallet, or are you tempted to go to expensive restaurants?

Life is filled with a lot of choices like these. So here are techniques you can use to make sure you constantly make good decisions that will help you with your long-term financial goals.

Start each day off reminding yourself of what your goals are. 

Every day is filled with new opportunities to work towards your set goals. There are few better ways to keep working toward your goals than by reminding yourself at the start of each day.

Some enjoy a visual reminder works well, a picture of the car you want to buy set as your desktop background. For others, a written reminder is more powerful, I letter to yourself posted inside your cupboard so you see it when you’re getting dressed. The key is to make sure you see that reminder first thing in the morning, before you’ve started making monetary decisions.

Bombard yourself with visual reminders of your motivation. 

What motivates you to make better financial decisions? Often enough it’s merely a visualization of whatever it is that you’ll obtain if you succeed. Perhaps it’s your dream home or car. Maybe it’s your own thriving small business.

Whatever your goal is, find a visual reminder and plaster it in several places you look at in a given day. Attach one to the top of your bathroom mirror so you see it when you’re brushing your teeth. Put one on your bedroom mirror. Set one as the background to your cellphone, or put a picture in your wallet so that you have to look at it, and take a moment before your pull out your cash.

Sort out the heavy money decisions early on in the day. 

Decision fatigue is the mental wear which results from being inundated with decision making all day long. In the technically advanced world we live in, decisions come at us all the time, and thus, by the end of the day, many of us are simply mentally worn out from all the decisions we’ve had to make during the course of the day. This in turn makes us susceptible to making poor decisions, especially monetary.

The best way to combat this is to front-load your day with decisions that have a heavy financial impact. Pay your accounts and make financial choices early in the morning when your mind is still fresh and sober. If you simply can’t perform some tasks until later, push some of the decision making earlier in the day. Such as; making shopping lists or creating meal plans for example.

The idea is to minimize the number of financial choices you have to make later on in the day earlier on, so that you’re less likely to make a poor decision while in a mentally tired state. 

Change your daily routines to avoid common temptations. 

For most of us, we’re faced with daily temptations and decisions. We drive by a coffee shop or takeaways, and we’re tempted to stop for a treat.

The solution to this problem is a simple one; change your commute home and other daily routines. Find a new route to take to get home, that way you save yourself the temptation to stop and spend money unnecessarily.

Reflect on the positive choices you made that day. 

The thoughts we have running through our heads at the end of the day, often set the mood for the unconscious thinking we do while sleeping. So it’s worthwhile to think about the positive moves and decisions you made during the day as you’re getting ready to sleep.

Not only does this fill your evening hours with positive affirmations about your behavior, it also helps reinforce financially positive moves you’ve made.

Surrounding yourself daily with decisions and idea’s that point you toward financial success, is a sure fire way to make that success come true.

With over 12 years of specialized experience in the debt & legal field Oyisa United Debt Specialists is committed to assisting South African consumers in financial liberation.

OUDS is uniquely placed to tend to your best interests and see that you are financially secure, which you deserve.