An astounding 25% of Americans worry about money all the time. That’s an incredibly stressful way to live, so today we’re sharing several daily money habits you can implement to stay on top of your finances.

Money habits are those small tasks you can do each day consistently that add up to noticeable results. Having control over your money and feeling less worried about finances isn’t something that happens overnight. So, start slowly and add in one at a time. If you stay consistent, you’ll be well on your way to worrying less about money every day.

1. Track Your Spending

Once you start tracking your spending and seeing where your money goes, it will be hard to stop. Tracking your spending helps you set realistic money goals and it also helps you hold yourself accountable.

Doing this can also prevent you from overspending in certain areas or making too many impulse purchases. If you get in the habit of writing down what you spend, you’re less likely to go through the drive-through or buy coffee on your way to work.

The good thing is tracking your spending doesn’t have to be too time-consuming. I recommend spending 5 minutes per day checking your bank account transactions and updating your budget.

2. Pay Your Bills On Time

You may not have a bill due each day of the month, but it’s important to know when every bill is due so you can prepare. We use a bill calendar to mark each bill’s due date.

From there, we make sure we schedule bill payments the week of or set up automatic bill pay. Setting up automatic bill pay can help you avoid unnecessary late fees.

As you track your spending each day, you’ll naturally start tracking bills too which will help you make sure everything gets paid on-time.

3. Spend Smart

Most of us spend money each day. Why not prioritize spending smart? It’s one of my favorite daily money habits because it can help eliminate a lot of mindless spending. If you’ve ever felt like you wasted too much money on something, you probably know what I mean.

Spend smart during the day by shopping around for deals, using coupon codes to save, and checking reviews on items before you buy them.

One thing I like to do when I’m shopping for clothes is seeing what resale shops have on hand first. We save a ton of money by buying gently used clothes and still have plenty in our wardrobes to choose from.

4. Prioritize Savings

It’s important to spend less than you earn so you can prioritize savings. One way to get into the habit of saving money is to simply do it more often. Last year I started picking up spare change around the house each day and putting it in a jar so I could use the money for travel later.

You can also focus on saving a percentage of your income each day. If you’re unsure of how much you should save, try to set aside 1% to 5% of what you earn each day. You can add this amount up each time you get paid so you know what to send to savings. To save time, consider setting up automatic savings transfers throughout the month.

Also, try using apps and programs like Digit to help you save each day automatically. Acorns is another app that will round up your purchases to the nearest dollar and invest the difference. For example, if you spend $3.30 on coffee, Acorns will take $0.70 from your account and invest it.

5.Communicate With Your Partner

Another one of your top daily money habits should be communicating with your partner about money. As you track your spending and update your budget each day, make sure you’re keeping your partner in the loop.

Talk to him or her about what purchases or bills are coming up along with any changes to your financial situation.

Set aside time to have a money meeting or finance date weekly so you can discuss things in more detail.

6. Be Thrifty Around the House

Becoming frugal and thrifty is a habit. There’s no right or wrong way to be frugal. You just have to find your comfort level and what better place to start than being thrifty around the house?

Prioritize cooking and prepping meals at home more if you want to save on dining out. Trust me, the more you cook, the better you’ll get at being able to prepare a delicious meal quickly.

You can also experiment with making homemade household cleaners to save money and start being more energy-efficient. You don’t have to run out and invest in solar paneling or new windows for your home.

Start by turning off the lights, being mindful of your heating and air usage, and installing affordable energy-efficient lightbulbs.


Ultimately, improving your finances is a daily effort. You can break down larger goals and milestones you wish to reach by practicing these daily money habits. Focus on finding your level of comfort with saving and spending. Check in on your finances each day for a few minutes and be consistent.

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