Note: This article is courtesy of Iris.xyz

By Chad Smith

You’ve been there. That mental limbo of whether you should go to the gym today or not. You know you’ll feel better after going, not to mention the positive long-term effects. But it’s easy to find excuses with “I’m not sure I’ll have enough time” being at the top of the list.

We make similar decisions with our financial health. We get motivated at the beginning of the year or around our birthday to implement healthy financial habits, but then find a way to continue putting them off. Sometimes this is due to the confusion of how to successfully implement healthy habits and other times it’s just needing to do other, more immediately important things, first.