Let’s figure out what needs your attention. ¬†Take a look back at Part Two and get together those scores, you’re going to need them.

Take a look at your two lowest scores.

Now breathe. (Feel free to hear the judgement out, but that’s not what we’re here for.)

Those two lowest scores are the places in your life that need the most attention. Those are the places in your life that you need a bit of extra attention.

If you look through that list again of what you spent, you’ll probably find that you’re money – how you’re using it or how you’re not – plays into those values.

If that’s true, it’s time to figure out what you’re doing and how to change that. If this is something that you’ve done over and over again likely it’s a habit. What you’ve done is create a neuronal pathway in the brain – a groove that you’ve moved neurons in over and over. So you can’t not do that just by trying to stop. It doesn’t work that way.

In order to not do that any more, you actually have to replace the habit with a new action or thought.

So if, for example, when you get stressed out you think “I can’t do this.” And then you buy bath products, or cosmetics, or shoes (or food or cars or…), it’s time to make a different decision. For me I decided to breathe and say an affirmation. One of my affirmations is, “Everything’s going to be ok.” I take another breath and say to myself, “Self, oh look, everything is ok now.” That gives me enough time to take a couple of deep breath which clears away some of the adrenalin and that fight or flight response. That brings me back into a place of having a shot at making a clear decision.

If you feel like all of your scores are low, I recommend only tackling one score at a time. Trying to change everything at once is a recipe for failure and a form of self-sabotage. Success is all about taking one step at a time, mastering it, acknowledging that success, and then getting ready to do the next one.

And don’t stop tracking. One month is just the beginning to understanding what you’re doing and why you’re doing it. Tracking the the very basic key to all things money.

Information is power!