creators home lifestyle web
Mary Hunt icon


Whose Kids Know How to Turn Off Lights? I got a good chuckle when I read today's first reader tip from "Dad." For a split second there, I could hear my own father asking the age-old parent/child question: Don't you know how to turn off the light when you leave the room? MOTION SENSOR …Read more. Of Pet Accidents and Malfunctioning Keurig Machines Dear Mary: I saw in your column a long while back an article about the carpet scrubber (was it Bissell?) and poo-pooed it at the time. Now I am ready to cry UNCLE since I discovered to my horror that one of my cats was shut in a bedroom and peed on …Read more. Best Holiday Gifts for Grandparents As far as gifting seasons go, the biggest one of all is just around the corner. The longer you wait to make or buy gifts, the fewer options you'll have. Last minute shopping is a surefire way to run up mountains of unintentional debt. Been there, …Read more. Solutions for Stains on Shirts and Windows, Too From time to time I reach into the proverbial EC mailbag and pull out a few of your questions to answer here. My goal is to select questions I believe the answers to which will have a wide appeal. But I can tell you for sure that when the question …Read more.
more articles

Seven Habits of Financially Responsible People


Funny thing about habits. Bad ones just seem to happen, while good ones are usually the result of considerable effort.

Habits are what personal character is made of, and basically they come in just two varieties: good and bad.

Some people act as if their habits were issued at birth and are not likely to ever change. There are a select few, however, who know and live by the truth: It is possible to learn good habits and unlearn bad ones, no matter how ingrained or deep-seated. It's all a matter of choice.

The secret of learning good habits or breaking bad ones is found in conscious repetition — fueled by knowledge, skill and motivation. One must repeat an action over and over and over again until it becomes a natural response, a habit.

To become more financially responsible, consciously focus and follow these seven habits, repeating them over and over until they become natural responses:

Habit 1. Financially responsible people regularly balance their checkbook. They calculate a current balance after every transaction. Yes, after every transaction!

Habit 2. Financially responsible people think first and spend later. Thinking first means determining ahead of time whether the purchase is necessary or prudent. It means waiting. It means seeking out the best deal and being willing to walk away if necessary.

Habit 3. Financially responsible people save money consistently. They simply do not spend all the money they have. Financially responsible people save money first, before they pay everyone else. Saving is a long-term process, and if necessary, sacrifices are made to achieve their savings goals.

Habit 4. Financially responsible people don't see the monthly payment, but focus instead on the total price tag. These folks see through the marketing tactics and zero in on the true cost and bottom line.

Habit 5. Financially responsible people know precisely their financial condition. They usually know within a few bucks the current balance on their mortgage or other secured loans. They are keenly aware of and regularly update their net worth, and they habitually make each financial move in light of the effect it will have on their net worth.

Habit 6. Financially responsible people refuse to live under the fantasy of entitlement. They are not driven to keep up with their family, friends and neighbors. They are content to live joyfully within the limitations of their means.

Habit 7. Financially responsible people's actions are based upon principles, not feelings. This compels them to pay their bills on time; to deal fairly and honestly with people; to give generously; and to restrain their compelling desires and find contentment in the things that really matter.

Becoming financially responsible is a process. In my case, it was a long process. I sabotaged myself for many years, convinced that I could never change. But I was wrong. I have changed and continue to make new progress every single day. And you can, too. I would consider it a privilege to walk the path of financial responsibility with you.

Mary Hunt is the founder of and author of 18 books, including her best-selling classic "Debt-Proof Living." You can email her at, or write to Everyday Cheapskate, P.O. Box 2135, Paramount, CA 90723. To find out more about Mary Hunt and read her past columns, please visit the Creators Syndicate Web page at



0 Comments | Post Comment
Already have an account? Log in.
New Account  
Your Name:
Your E-mail:
Your Password:
Confirm Your Password:

Please allow a few minutes for your comment to be posted.

Enter the numbers to the right: comments policy
Mary Hunt
Dec. `15
Su Mo Tu We Th Fr Sa
29 30 1 2 3 4 5
6 7 8 9 10 11 12
13 14 15 16 17 18 19
20 21 22 23 24 25 26
27 28 29 30 31 1 2
About the author About the author
Write the author Write the author
Printer friendly format Printer friendly format
Email to friend Email to friend
View by Month