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Habits are things we do automatically and the same must be true for your new financial habits. Paying off debts and saving money should feel like a reflex. You shouldn’t have to think about it.

This is why automatic contributions are such a powerful tool. Knowing that a certain amount of your income will be directly funneled into a retirement plan, savings account or IRA removes the much of the temptation to make a poor financial decision. Reducing the number of decision you have to make with your money takes much of the guesswork out of financial planning.

Additionally, you can limit your spending by linking your debit card to an account with a fixed amount to avoid overages. Automate whatever you can, and that will limit the need for excessive willpower.