Establishing a good habit doesn't mean you have to go to extremes. Instead, think simple: write your goals down and put them in a visible place. This will often help you achieve them.
1. Grab an index card, and write down 1 to 3 simple financial goals such as:
- Bring lunch 4 days each week
- Put extra $100 per month in 401(k)
- Pay higher than the minimum amount due on credit card each month
2. Put the card on your desk in an easy-to-see place.