21 Days to a Negative Money Habit

March calendar

A couple of weeks ago, I wrote about how you could create positive new money habits in just twenty-one days. Now for the flip side of that article. I want to show you how easy it is to fall into negative money habits in just twenty-one days. We often think that money problems come about over a long time (and they sometimes do), sneaking up on you after years of overspending, medical problems, reliance on credit, or underemployment. But the sad fact is that it can take as little as twenty-one days for you to fall into bad money habits that can ruin your nest egg.

It is an accepted part of self-help wisdom that it takes twenty-one days to create a new habit. Usually this wisdom is used to tra

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11 Responses to 21 Days to a Negative Money Habit

  1. Lot’s of good “don’ts” here! :D

  2. Alex says:

    Excellent article and one to be printed and re-read regularly.

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  4. kleanchap says:

    Great article! Few gems here and there. Love them!

    Thank you for posting them.

  5. Miranda says:

    Great post! The first one really jumped out at me because with my family’s hectic schedule it is so easy to just eat out or get take out.

    I was also really struck by those having to do with retirement. After all, sacrificing a little now means that you are more likely to enjoy your quality of life later.

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  7. Mia says:

    There’s only so much you can do to always abide with no 20. If you work a full-time job, have kids, and commute – there is simply not enough time in the day for you to also be your own maid, cook, repair person, taylor, seamstress, computer fixer, carpet cleaner, and who knows what else, as needs arise. It is of course great to try to do as many of those on your own but there are limits to this approach. It is annoying to see so many articles bent towards unrealistic, preachy advice that just conveniently ignore the realities and circumstances of everyday life. How about some balance?

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