[header] How to make financial habits instead of goals [title] Start by tracking one category of expenses. [step] Budgeting your expenses is one of the most important components of personal finance. However, if you're not in the habit of keeping a budget, suddenly recording all of your expenses is an unlikely change in behavior. 
Instead, start tracking all of your spending on one type of good, such as food. [substeps] Focusing on one spending category will make you more aware of the types of purchases you're making in that category that are unnecessary.