If we all lived in a vacuum-sealed world where our minds and emotions didn't affect our finances, saving money and lowering debt would be a whole lot easier. No bad days to trigger junk food binges, no impulsive vacations, and no mid-life-crisis shopping sprees.
But our minds and emotions do impact finances, even for the most money-savvy. The trick, then, isn't just identifying your own bad money habits — it's finding small ways to tweak those habits in the long run. That way, you're not just lowering your debt; you're empowering yourself to take control of your finances for good. Here's how to do it....