And the number one habit you must break is something I learned from Jack Canfield in his

best-selling book, The Success Principles. The first chapter said the first key to success is to

Hey, I'm Terry Savelle Foy, your cheerleader of dreams. Let's talk about six bad habits to break this year. Oh, and be sure to subscribe by pushing the arrow below because I'm giving away a free chapter from my book this week to my subscribers. So let's start with number six. Number six is overspending. Unsuccessful people don't have financial goals.

Therefore, they spend and spend and spend. Bottom line, they spend more than they earn.

They charge it. Now, I know this because I was one of them for years. But here's the key

to getting ahead financially this year.

If you don't have the money to get what you want, don't get it.

If you can't pay cash for it, you know, that new dress, that new purse, that makeup,

that dinner, don't get it.

Save up for it.

Earn it.

You can't afford it right now.

If you can't pay cash, that's the thing. If you can't pay cash,

don't get it. Enjoy the thrill of knowing you truly earn this thing. Now did you know the biggest

drain of money spent is on eating out? It's the little expenses that drain our accounts. You know,

that lunch budget of $10 a day times four days a week

adds up to over $2,000 a year. Isn't that crazy? On what? A salad, a burrito, a muffin, a sandwich

that we could have made at home before we run out the door. Well, wouldn't you love to have that

$2,000 in a savings account right now or going towards your dream vacation? Instead, your financial

future was eaten up by poor decisions. You know, the Bible says in Proverbs, where there is no vision,

the people perish. Well, that's true in every area of our lives.

Where there's no financial vision, your money will perish and minded for years. However,

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