10 Simple Habits of Money-Smart Individuals
10 Simple Habits of Money-Smart Individuals
Master these successful money habits to boost your wealth.
By Tracie Fobes January 22, 2021
Mark Cuban. Warren Buffett. Michael Bloomberg. Most people will never be as rich as the world’s wealthiest billionaires, but you can still learn from their smart money habits. From ditching debt to paying bills on time, fiscally savvy folks have developed good habits and plans that keep them in financial shape. And with a little effort, you too can master their tricks for managing money. If you’re looking to break bad money habits and get on more solid financial footing, follow these fiscal tips from the pros.
Have a Written Budget
Many people have a budget — sort of. They know who they have to pay each month and how much. However, they don’t have anything in writing. When you have a written budget, you see exactly where your money is going. Best of all, you can direct your money where you want it to go. Your budget is your roadmap to financial success, so make sure you include every single expense. Don’t forget about that coffee you grab on the way to work or the money you spend on parking every day.
Pay Down Debt
Take the steps necessary to pay off your debts. You will need to create a debt payoff plan to make it happen. Start by assessing the types of debt you carry and determining what might be paid off first. Your credit card debt should be the first thing you look at. In addition to possibly carrying a high interest rate, it typically has variable rates. Because credit cards are revolving debt, if you only make the minimum payment required each month, you may not be able to pin down an end date for your debt.
Consolidating revolving debt into a personal loan lets you lock in a repayment term. In other words, you define an end date to that debt. Plus, by consolidating higher-rate debt you may save money on interest. A Discover® personal loan offers annual percentage rates between 6.99% and 24.99%. And with a fixed rate Discover personal loan, you won’t have to worry about increasing interest rates.
It might take some time, but you can pay off debt if you’re diligent.
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Government Regulations Now Add $132,000 to the Average New Home
Notes From the Field By James Hockman (Simon Black / Sovereign Man) September 2, 2026
Somewhere in America there's a local ordinance that tells you which way your garage has to face. Another one dictates what your fence can be made of, and a third sets how many square feet of window your house needs. A few spell out the dimensions of particular features down to a quarter of an inch.
Rob Cunningham: Ripple Getting Two Valuable Gifts from Fedwire and SWIFT
9-2-2026
What if Fedwire and SWIFT just gave Ripple two extraordinarily valuable early Christmas gifts?
What if those gifts were not contracts, endorsements or regulatory favors…
…but time?
TNT:
Tishwash: Contractors in the liberated areas are demanding payment of their dues and warning of project stoppages.
The Iraqi Contractors Union called on the Prime Minister, Parliament, and Minister of Finance on Tuesday to intervene urgently to disburse the outstanding financial dues owed to companies and contractors contracted with the Reconstruction Fund for Liberated Areas, noting that the delay of some of these dues for more than two years has caused financial damage to contractors and threatened their ability to continue implementing projects.
Bruce’s Big Call Dinar Intel Tuesday Night 9-1-26
Transcribed By WiserNow Emailed To Recaps (INTEL ONLY)
Welcome everybody to the Big Call tonight. It's Tuesday, September 1, and you're listening to the Big Call. Thanks for tuning in again, everybody. Look forward to having another good call tonight, and hopefully we'll be imparting some really good information to you. Looking forward to it.
All right, let's do a little reset of our own. Here we are, the first of September. Let's see where we are with respect to the timing that we're looking for, we always try to create some kind of a timeline. So let's do that. I think the first thing we can look at is what we're hearing about this week. We had heard that we could get notified about middle of the week.
Good Afternoon Dinar Recaps,
JAPAN'S RISING YIELDS BEGIN REVERSING GLOBAL CAPITAL FLOWS
Higher Japanese bond yields are making domestic assets more attractive and beginning to challenge a decades-old flow of Japanese capital into overseas markets.
Ariel: What Iraq has for their Transition
9-2-2026
The Bottom Line Is Reserves
The Clarity Act still sitting in committee establishes the legal framework for the US Treasury to back digital and revalued currencies against hard assets. Gold. Not promises. Not petrodollar leverage. Physical bullion on US soil. Every sovereign currency that reenters the system under a revaluation protocol needs collateral backing. Iraq’s dinar can’t RV into a vacuum. It RVs into a system. That system needs reserves.
Coffee with MarkZ, joined by Andy Schectman and Zester. 09/02/2026
MarkZ Disclaimer: Please consider everything on this call as my opinion. Be sure to consult a professional for any financial decisions
MZ: Andy joins us early this morning around 15 minutes in. I will give a quick news update first thing to be prepared. Iraq seems to be doing what it takes to increase their value.
THE CONTENT IN THIS PODCAST IS FOR GENERAL & EDUCATIONAL PURPOSES ONLY&NOT INTENDED TO PROVIDE ANY PROFESSIONAL, FINANCIAL OR LEGAL ADVICE. PLEASE CONSIDER EVERYTHING DISCUSSED IN MARKZ’S OPINION ONLY
Note: All intel should be considered as "Rumors" until we receive official announcements ...and “Rates and Dates” could change anytime until we get to the banks/redemption centers.
Reset Intelligence: September First
9-1-2026
September First
By Reset Intelligence | @EXIT_FIAT
Iraq’s bypass export contracts took effect this morning, on the exact date the cabinet set.
Between External Borrowing And Removing Zeros... The Government Faces Difficult Choices To Address The Financial Crisis
31 Aug 13:51 Information/Report... As pressure mounts on Iraq's public finances, a range of options for addressing the liquidity crisis are resurfacing. These include resorting to external borrowing and restructuring the local currency.
Parliamentary sources confirm that the project to remove zeros from the currency has not yet entered the implementation phase, while economists discuss the possibility of securing a substantial external loan to provide liquidity and bolster reserves.
Good Morning Dinar Recaps,
U.S. DEBT TOPS $40 TRILLION: RISING TREASURY YIELDS EXPOSE A NEW FISCAL PRESSURE POINT
America's debt has crossed $40 trillion as rising long-term Treasury yields increase the cost of government borrowing and force markets to reassess the country's fiscal flexibility.
Monetary RESET Has Begun, But “Performance Gold” Could Be the Biggest Opportunity | Ronald Stöeferle
Miles Franklin Media: 9-1-2026
Michelle Makori, President & Editor-in-Chief of Miles Franklin Media, interviews Ronald-Peter Stöferle, Managing Partner and Fund Manager at Incrementum and co-author of the annual In Gold We Trust report.
Stöferle explains why gold is undergoing a “creeping remonetization,” driven by central-bank accumulation, geopolitical fragmentation and growing concerns over the global monetary system. He argues that gold’s bull market is not yet in a bubble and reveals why $8,900 gold is now his new base case after his previous $4,800 target was reached ahead of schedule.
KTFA
Tuesday Night Video
FRANK26….9-1-26….NEW PATH WITH TRUMP
This video is in Frank’s and his team’s opinion only
Frank’s team is Walkingstick, Eddie and Omar in Iraq and guests
Playback Number: 605-313-5163 PIN: 156996#
The Rising Dollar Is Testing Banking Reforms; The Central Bank Is Changing Rules, But The Parallel Market Is Resisting.
Last updated: August 30, 2026 Al-Mustaqilla/Baghdad/- The dollar is still being sold in the Iraqi parallel market at a significant difference from the price announced by the Central Bank, despite a series of banking and regulatory measures implemented by the authorities during the past months in an attempt to restructure the financial sector and expand official channels for obtaining foreign currency.
Your Mortgage Is Now Competing With Google and the Pentagon
Notes From the Field by James Hickman (Simon Black / Sovereign Man) September 1, 2026
Hardly a week goes by without another data center announcement, and the projects have gotten so big that they're now measured in gigawatts.
A gigawatt is a billion watts of electricity. Running around the clock, one gigawatt is enough to supply about 800,000 average American homes— and a single large data center is now built at that scale.
Iraq's Salary, Welfare Spending Reaches $34B In H1
2026-09-02 Shafaq News- Baghdad Iraq spent about 44.627 trillion dinars ($34.1B) on public-sector salaries and social welfare in the first half of 2026, equivalent to nearly 82% of total federal spending during the period, Finance Ministry data showed.
Employee compensation reached 30.769 trillion dinars ($23.5B), while social welfare spending totaled 13.858 trillion dinars ($10.6B), for a monthly average of about 7.438 trillion dinars ($5.68B).