Face it: it’s hard to get motivated to conquer your finances when you know it might mean creating and then sticking to a budget. If this sounds like a lot of work, you’re not alone.
In a survey conducted with The Harris Poll, we found that despite the fact Americans feel consistently busy, 73% reported that time isn’t the issue when it comes to getting and staying financially fit. Instead, the problem is psychological.
The truth is most people simply can’t bring themselves to deal with their money head-on. Their finances make them stressed out, they procrastinate, and they wind up sticking their heads in the sand instead of sticking to a budget.
But one simple change—a micro-action—might be all you need to supercharge your financial motivation and help you make real progress toward your money goals.
Micro-actions are tiny, non-intimidating tasks that are super quick to complete. We’re talking one minute to 20 minutes at the absolute max.
First, they are contagious. The simple fact that you’re taking steps—even if they’re tiny ones—toward a goal means you’re making steady progress.
Second, you’re building major confidence. Success breeds success. As you conquer one micro-action after another, you begin to see what you’ve achieved, realize your goals are attainable, and create the momentum you need to keep going.
So how can the idea of micro-actions benefit you when it comes to your money? Try these three ideas on for size:
The beauty of a routine is that it requires zero thought to execute. And you don’t need a brand-new, complicated routine to start working toward financial health. Instead, simply incorporate one or two micro-actions into the routine you already have:
Many people find money management either mind-numbingly dull or intensely stressful. If that’s you, consider making your money micro-action a fun exercise, a game, or even a contest for your family:
When people talk about money, it can certainly sound as though they’re speaking a foreign language. Instead of trying to give yourself a crash-course in financial lingo, play to your strengths and customize your money micro-actions to how you already do your life:
With a few of these micro-actions up your sleeve, you can maximize your financial motivation and reach your money goals sooner than you think.
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