10 Simple Habits of Money-Smart Individuals
10 Simple Habits of Money-Smart Individuals
By Tracie Fobes Last updated: Jan. 20, 2021
Master these successful money habits to boost your wealth.
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.
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Ariel: What is Not Feasible for Iraq
10-17-2026
In My Opinion- What Is Not Feasible For Iraq
Iraq cannot formally submit a credible, WTO-compliant 2027 budget using a phantom program rate (1,310) that nobody not the IMF, not the World Bank, not their own central bank governors believes reflects economic reality.
A budget denominated in a currency that has no operational international Forex rate is a fiscal fiction. It cannot be audited. It cannot be stress-tested.
TNT:
Tishwash: President Al-Zaydi: The cabinet formation is complete and we have filled the vacant portfolios.
Prime Minister Ali Faleh al-Zaidi confirmed on Thursday that the cabinet formation is complete five months after the government was formed, stressing the commitment to implementing the government program's priorities and responding to the aspirations of Iraqis.
Al-Zaydi said in a statement received by Iraq Observer that the government has worked diligently and persistently over the past months under extremely complex internal and external circumstances, explaining that the war in the region has imposed, and continues to impose, exceptional economic challenges on Iraq, in addition to security challenges that require the highest levels of responsibility and vigilance.
Why Are Central Banks Buying So Much Gold in 2026?
Published: 10-05-2026 De-dollarization is the gradual shift by central banks away from holding the US dollar as their dominant reserve asset. In practice, that usually means adding gold and other currencies instead. In 2026, this shift stopped being a theory investors had to take on faith.
Specifically, it is now a documented pattern, visible in the World Gold Council’s own survey data and in the IMF’s own reserve statistics.
Good Afternoon Dinar Recaps,
GLOBAL DEBT RESET WATCH: DEVELOPING NATIONS FACE RECORD DEBT AS NEW FINANCING MODELS EMERGE
Record external debt, shrinking foreign aid and rising financing costs are pushing developing nations to seek new ways to fund growth and reshape their relationships with global financial institutions.
You Could Earn 6% On Your ‘Plan B’ Home Abroad
Note From the Field By James Hickman (Simon Black / Sovereign Man) October 15, 2026
For a lot of Americans, the beachfront condo has become unattainable. In Naples, Florida, the median beachfront condo on the market is listed at about $2 million. And that’s before factoring in condo fees and skyrocketing insurance costs.
Now compare that to an apartment we found during research for members of our flagship service, Plan B Confidential, in João Pessoa, a midsize beach city on Brazil's northeast coast.
Part 2: A Secret Global Monetary Reset Has Started (Watch Before This Video Is Banned)
George Gammon: 10-17-2026
Chapter 4: Bank creation of money
I'm going to show you how these banks create the dollars, create the money supply, and how that in and of itself creates a tremendous amount of demand for dollars and treasuries.
What we have is a debt based monetary system. I'm sure you guys have heard that term before. And essentially what that means, whether we like it or not, is money or currency, whichever term you want to use, is really debt.
A Secret Global Monetary Reset Has Started (Watch Before This Video Is Banned) Part 1
George Gammon: 10-17-2026
Chapter 1: The global monetary reset
A global monetary reset is happening right now. And I can assure you it is nothing like what you've been told. You think it's about oil and the petro dollar, but it's not. It's about debt.
It's about trillions and possibly quadrillions of dollars in debt. This is the biggest monetary reset in the history of the world. It might even be the biggest event the world has ever seen. And it's happening in secret.
MilitiaMan & Crew: The Bank File They Don't Want You To See
10-1702926
The Crew: Samson, PompeyPeter, Petra, Daytrader, Sunkissed, GIGI and Militia Man
No drama. No intrigue. No songs and dances. Just straight, factual news that I read and interpret to the best of my ability after being an avid Dinar investor and insanely obsessed Dinarian for over 15 years.
Follow MM on X == https://x.com/Slashn
The International Monetary Fund pledges financial and economic support to Iraq; a forthcoming loan program opens the door to reforms.
Last updated: October 17, 2026 The Independent / Baghdad – The Managing Director of the International Monetary Fund, Kristalina Georgieva, announced on Saturday, October 17, 2026, the Fund’s intention to provide strong support to Iraq through a loan program requested by the Iraqi authorities, in addition to supporting economic and financial policies, in a move that may represent a new phase of cooperation between Baghdad and international financial institutions.
Good Morning Dinar Recaps,
GLOBAL DEBT RESET WATCH: IMF MEMBERS CALL FOR MORE SUPPORT AS WAR AND ENERGY COSTS PRESSURE ECONOMIES
International financial leaders are calling for greater support for vulnerable economies as conflict, rising energy costs, mounting debt and rapid technological change test the resilience of the global financial system.
KTFA
Friday Night Video
FRANK26…10-16-26….BUDGET NEXT
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#
Ariel: Iraq’s Final Legal Trigger, Three-Zero Deletion, and the Real Rate Architecture
10-16-2026
Your Life Is About To Change: Crossing Over Into Another Reality (The Cabinet Is Complete) 555
THE CABINET SEAL — IRAQ’S FINAL LEGAL TRIGGER, THE THREE-ZERO DELETION, AND THE REAL RATE ARCHITECTURE
Here’s what the talking heads miss: Iraq doesn’t run on vibes. It runs on bylaws codified under the 2005 constitution, layered with IMF Article IV consultation commitments, and backstopped by the Central Bank of Iraq Law No. 56 of 2004.
Rob Cunningham: Oil, Gold, XRP, 2026 and Beyond
10-16-2026
Oil • Gold • XRP | 2026 + Beyond
Observable actions.
Common economic interests. Technological convergence.
Logically discernible outcomes. Decisions implemented in plain sight.
There is strong, evidence-based infrastructure in place showing the convergence of energy, stores of wealth and interoperable digital liquidity is a natural and increasingly deliberate direction of global financial modernization.
Bruce’s Big Call Dinar Intel Thursday Night 10-15-26
Transcribed By WiserNow Emailed To Recaps (INTEL ONLY)
Welcome everybody to the big call tonight. It is Thursday, October 15, and you're listening to the big call. Thanks everybody for tuning in again, wherever you're located, all around this globe, glad to have you back, and looking forward to a very nice call tonight. Good call,
All right. Well, that's excellent. Thank you, Bob. I appreciate that. Excellent. Let's do a little bit of intel and see what we have and where we are right now.
You know, we talked Tuesday night about Iraq, and this does come back to Iraq in the sense that they were to seat four governors in the Board of Governors. I believe they're calling it now.
KTFA
Saturday Night Video
FRANK26…10-17-26….”REQUIRED LOAN
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#