Smarter Spending Habits: Caring About Your Financial Future

boy outside looking in a scope

“Financial responsibility is a day-to-day affair, but for the first time in my life, I’m beginning to care.”

-Dean Martin in Living it Up.

If there’s one thing I’ve learned from the responses to our smart spending habits series, it’s that people care about their financial future. People want a better life and they are willing to work and make difficult changes in order to become more financially responsible.

Being a smart spender isn’t as simple as just giving up Starbucks or canceling cable TV. It’s not something that can be accomplished with one easy sacrifice.

We’ve tackled some of the most difficult aspects of becoming a smarter spender and given tips and tricks that will help you create a lifelong habit.

If you haven’t read our entire series, don’t miss the following:

How to Become Financially Self-Aware

One of the most elusive qualities among those who struggle with their finances is self-awareness.

If you’ve ever felt like you’re doing everything right and still run out of money before the end of the month, check out our advice on how to clear the fog and see your spending for what it really is.

How to Fix Your Problem Areas

Once you’ve figured out where you overspend, we discuss ways to target these areas and curb your overall spending.

Creating a Lifelong Habit

Permanent change is the most difficult kind of change to make. We cover the most common spending triggers and how to resist them.

For example, the bedrock of spending impulses is feeling like you have money to spare. One way to fight this is to determine the amount of your paycheck you don’t want to spend and immediately place it in savings. This way your money won’t be burning a hole in your pocket.

Speaking of which, let me come full circle and leave you with a little Dean Martin.

Do you have any questions we didn’t answer in this series?  If so, email them to [email protected] and I may blog about them in the future.

This email address is not associated with Bank of the Ozarks, not monitored by Bank of the Ozarks, and customers should not use this email address for account questions or concerns.  For questions or concerns regarding your account, please contact Bank of the Ozarks by clicking HERE.


Adam Lucas holds a Finance degree and an MBA from the University of Kentucky. His work has appeared in many major outlets including and