All self made millionaires had to start somewhere. They all started by identifying their bad habits, or any habit that was holding them back and then by building good habits that are sustainable they went on their way to achieving great things.

There is no substitute for time and hard work in your pursuit of creating the great financial habits that will change your life.

If you have set a goal for this year to master money as well as build wealth, you must start by breaking these extremely costly habits as soon as you possibly can. Start the new year off right by making healthier financial choices.

It can take years of experience to develop good financial habits, but the benefits of being responsible with your spending are well worth any effort it takes to develop good practices.

Create the financial habits in your life that will allow you to be free from behavior that is hindering your momentum. Focus on repeated behaviors in your pursuit for better spending habits this year.

Personal finance is all about creating habits. Understanding and identifying your bad habits is the first step to personal financial success. Start with this list and work your way into building a life of sustainable habits.