The key to crushing your New Year's financial resolutions is to embrace your laziness investinyou (In partnership with acorns.)
If you've ever tried to change a habit, you know how challenging it can be to institute a new behavior. It is so much easier to just keep doing things the way we have been doing them.
We are quite passionate about our New Year's Resolutions and stick to our new habits for weeks or even months. But often our focus shifts, our excitement wanes, and we slip back into our old patterns of behavior. When you automate, it takes a conscious effort on your part to sabotage your achievement of your savings or investing goal.The key is to capitalize your mental laziness and harness it to your benefit through automation.
At this point in the process, one of the worst things you can do is to count on your future self to keep writing checks or transferring money each month. It will only be a matter of time until something unexpected comes up that requires money — and something always comes up — or you forget to make the transfer. It's easy to put it off, fall behind or to quit altogether.
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