We all know that habits are hard to break – before we know it, we are doing the same thing that we’ve been trying to change. It might be spending less when we go food shopping, keeping up with our investments, and so many other scenarios that are true for most of us. In all of my years working with clients in helping them to alter these habits which may get them into trouble over time, it’s not focusing on the habit that helps them make positive changes. It’s actually just the opposite: figure out the more productive and satisfying habit that you want to enforce. So, instead of going shopping without a plan or list, make sure you have something concrete to follow or instead of free-floating throughout the year unaware of how your investments are performing, make a plan to get 6-month updates that you actually review. Read the rest of this entry »