It Starts With Coffee

Things The Most Financially Responsible People Do Daily

Finances · Sponsored Post · January 23, 2020

This post may contain affiliate links. See disclosure policy for more details.

Thank you to Lexington Law for partnering on this post. All opinions are my own. 

Do you ever wonder what the most financially responsible people do to make themselves that way? What habits they do daily? Well, I am here to let you in on their secrets of the things the most financially responsible people do daily.

Things The Most Financially Responsible People Do Daily

They go over their credit card transactions: One thing that is important to do daily is look over your credit card transactions. If you are like me and put everything on a card and then pay it off each month depending on the day there can be a lot of transactions. But to be safe with your credit you want to look over these daily. This is a good way to make sure you don’t encounter any credit card fraud. Another way to do this is to set up alerts on your card. Any time any of my cards are used for a transaction I get an email. This way if there are transactions you are unaware of you know immediately and can figure out what to do.

They stick to budgets: Sticking to budgets is so important! The more you stick to your budget the more money you can save and put towards debts. The most financially responsible people stick to their budgets. Regardless of how much they make, they make sure they are staying on track with budgeting and are aware of what they are spending daily.

They don’t spend money willy nilly: By this I mean they don’t aimlessly shop online, or wander into stores and buy whatever. They think about their spending and financial decisions and don’t make rash decisions when it comes to money.

They make their own food/coffee: This is the BIGGEST money suck. You may think $4 here and $8 here is nothing but it adds up. For example, if you buy a $5 coffee every morning that’s $35 a week, $140 a month, and over $1800 A YEAR! Just on coffee. I am such a bad example of this because more often than not I do buy my coffee out but it’s one thing I am REALLY trying to be better about. I try to think about those bigger numbers instead of the $5 a day. I think if you think about the money over a month or year you are more likely to make that coffee at home and take your lunch vs spending it every day.

They are always learning: A great way to do this is by listening to financial podcasts or maybe reading an article each day on finances. I love to subscribe to financial news and podcasts just to keep me informed. I think continually learning is so easy now with technology so there’s really no excuse to not do it.

They keep an eye on their credit score: Financially responsible people keep an eye on their credit and make sure that they don’t have misinformation, derogatory remarks, etc. They do this to keep their credit score up and to also make sure they are staying on top of everything. If you need help getting started with this Lexington Law is the way to go. You can use their free consultation service to see exactly what they can do for you and they can show you mistakes on your credit. Then you can decide how you want to move forward to get on the right track of consistently keeping an eye on your credit.

What is the most financially responsible thing you do every day?


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  • 16 thoughts on “Things The Most Financially Responsible People Do Daily

    1. Katelyn

      One of my goals this year is to not only be more sustainable but make better economic decisions. Little things like budgeting and making food/coffee at home are so important for saving just a little bit extra money. Thank you for this post!

      xx Kate

    2. Bridget

      this is a great blog post. i struggle with saving money at times (i just really love clothes ok, haha), but every reason you had was valid! one reason that you mentioned that i am good about is making my own food and coffee!

    3. Holly Lasha

      Yes…I agree on making your own coffee. I LOVE stopping a getting a fun treat now and then from my local shops, but I really try to save money by making coffee at home!

    4. Stephanie

      The only thing I don’t do is check my credit card daily. But USAA is amazing at catching even the smallest thing out of the ordinary. I tend to check it every few days, once per week at a minimum. But otherwise, my husband and I do all of these for the most part.

    5. Emma

      The coffee problem is something i’m guilty of too! I’m definitely trying to be more aware of needless tiny purchases because they really do add up!

    6. Melanie williams

      Yes I hear you on all these things. Having tea and coffee while out and about can really add up for sure xx

    7. Clarice

      I totally agree with you. Making your own food/ coffee makes a difference. It may be a small thing but I realized that food and coffee is taking a huge portion of my monthly budget. When I tried bringing my own lunch, I was really able to save.

    8. Vikram John

      I been trying to stick with my budget but end of the day i spend too far from my budget because i am a foodie i can’t keep track of expenses. i thing this will work , thank for sharing!!!


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