You know, there are good habits and bad habits, but here are some good ones that might change your life, as they did change mine.

#1: Pay yourself first

This is a very important one, the effects compound!

Take a % out of every paycheck and invest in yourself. It can be anything – your personal growth, a key upgrade, further education or teach yourself new skills.

What you can also do is if you don’t need the money in the short term, pay yourself financially by investing it and make the money grow. Turn $1000 into $6700 in 20 years at a 10% annual return.

Don’t think too much about it, just make this a default option before you spend it away on credit card bills and other payments – you will thank yourself in a decade.

#2: Give first, then receive

This applies to most social and business situations. Always be giving – give away free information, free