5 Money Habits you NEED to Break! 1️⃣If your bank account hits $0 before your next paycheck, time to start budgeting 2️⃣If you don't track expenses, savings is impossible. Review your bank statements to find where you're overspending 3️⃣"Buy now, pay later" may seem convenient, but it traps you in debt. If you can't afford it now, wait 4️⃣Life happens! Start a emergency fund with $500 and work up to 3-6 months expenses 5️⃣ Paying only the minimum keeps you stuck in interest. Pay more, owe less