Today we gain an extra hour when daylight saving time ends.

We say that we fall back with the time.

It got me to thinking about our behavior.

There are some things that we do not need to fall back to doing.

What comes to my mind are the bad habits from the past.

Many people fall back to these bad habits as soon as there is a bump in the road.

They fall back to survival mode and lose track of what has been working.

Not living with in your budget.

You don't want to fall back in to living pay check to pay check.

Not balancing your check book.

You don't want to fall back to paying overdraft and non-sufficent funds fees.

Not saving for a rainy day.

You don't want to fall back to using pay day or stretch pay loans when emergencies happen.

Not paying bills on time.

You don't want to fall back to having bad credit.

Not planning for meals each week.

You don't want to fall back to eating out everyday.

Not saving money each pay check.

You don't want to fall back to zero balance in your savings account.

Not paying your tithes.

You don't want to go back to having a hole in your purse or wallet.

These are just a few of the things that you need to avoid so that you don't fall back into debt, bad credit, and no savings.

When life happens you need to stick to your plan.

You may need to make some adjustments along the way.

Falling back to old habits should not be an option.

Looking at your budget each month making changes where needed will keep you headed in the right direction.

Paying your bills on time will keep your credit moving toward the 850 credit score.

Have life circumstances caused you to fall back into bad habits???

Your financial coach,

Renee Lawson

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