Sounds easy enough, and it sure is! We’re strange creatures though as we generally know what is good for us in terms of health, exercise, financial issues, etc but we often choose to ignore our own knowledge. We think and say one thing, but do the opposite.
You may think that you need to exercise, and be frustrated that you don’t. But you still don’t. Or perhaps you know that you are not saving for your retirement, but you cannot motivate yourself to start. You can tell others about the benefits of budgeting, but you don’t do it yourself.
You know that you should save money, invest for your future, create financial goals, not buy things you don’t need, etc…. You know that you should keep track of spending and live within your means. You know that debt is bad.
Write down one thing that you don’t do even though you know you should (because it is good for you). Now write the reasons why you don’t do it, and also write down the consequences of not doing it. Spend some time thinking about this…