Many people are in financial debt not because they don’t earn enough money, and not because they spend too much money. They’re in debt because they aren’t aware of their spending and saving habits. They’d be shocked to learn how deeply their money psychology affects their financial lives!

These five ways to be more money conscious can help both spenders and savers take control of their finances.

Pick Two or Three Financial Role Models

There are thousands of financial debt, personal bankruptcy, and economic downturn “horror stories”…but there are also many examples of financial successes. Pick at least two financial role models – people who have succeeded in their businesses or investment portfolios – and spend time with them.

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