Successful people are productive people. Examine the habits of people who are never broke and you will see it goes beyond good money management. They have habits that lead to a productive lifestyle.

Adopt these 6 habits of people who are never broke and improve your financial well-being.

1. Spend Less Than You Earn and Save!

Most people save money backwards,. They start spending their paycheck the second it hits their account, and hope that by the end of the month they have a little money remaining that can go into savings. This ain’t productive. Pay yourself first! Commit money to your savings account before any spending. Save first, then spend what remains.

Pro tip: Supercharge your savings by putting it on autopilot: Have a percentage of your income directly deposited into your savings account monthly. Then don’t touch that money!

Save Money & Earn Money With a High APY

Now that you have a strategy to save big money, open a savings account with a higher interest rate. An account with a high APY pays you more free money (interest). CIT Savings Builder pays an APY 5X more than the average savings account (APY national average = 0.08%).

Automate your savings! Toggle on the Auto Direct Deposit to have $100/month slide into your Savings Builder account, and you’ll earn CIT’s top interest rate. (See CIT’s Live banner below for their current APY.)

Savings Builder

Open a CIT Bank Savings Builder today and set up automated savings.

Get Amazon Prime Free for a Year

For a limited time, when you open a CIT Bank Money Market Account, you will receive a free year of Prime (even if you already have a Prime membership)!

Here’s how to get your free year of Prime: Open a CIT Bank Money Market Account and enter the promotion code AMZN22. Maintain a balance of at least $15,000 for 60 days. At the end of the 60 days, you will receive a Prime code to use.

CIT Bank makes it easy to open an account. Your money is insured by the FDIC, and there are no monthly service fees. Open a Money Market Account today and claim your free year of Amazon Prime.

Open a CIT money market account, earn an APY 6X the national average rate, and score free Amazon Prime for a year!

2. Eat Healthy and Avoid Added Sugar

Most people eat too much added sugar, which leads to obesity and heart problems. And did you also know that too much added sugar can also cause your brain to shrink? A clean body = a clean mind = a productive person. A better diet will lead to better performance and better thinking, making you more productive.

Shop More Productively with Ibotta

Before shopping, make a sugar-free grocery list, and definitely check out what deals the Ibotta app is offering.

The No. 1 grocery app will make your money more productive. How? Ibotta pays you cash back to shop for groceries (the highest paid shopper earned $13,000 in 2019). 

Download Ibotta here (and snag our exclusive $20 welcome bonus) to take back some of your hard-earned grocery money.

Want to hear even more ways Ibotta can save you money? Check out our Ibotta explainer video, here!

3. Declutter Your Life and Let Your Mind Relax

Clutter costs you in more ways than money; it’s a fact. Clutter leads to a loss of focus (“Where did I put that?”), procrastination, and stress (not to mention it costs you money). Whether it’s a messy desk, a messy house, a messy car, or messy finances, taking steps to clean and declutter brings peace of mind and productivity. You can also sell stuff to declutter your life.

P.S. If you need help decluttering your house, read these 5 Marie Kondo Organization Hacks first!

Let Trim Declutter Your Finances

To declutter your desk, the house, and the car is relatively straightforward, but decluttering your finances can be trickier. The Trim app’s AI functionality gives you a clearer picture of your finances than ever before. 

Trim will find your forgotten subscriptions that need cancelling. It will even negotiate lower internet, medical, and cable bills.

Is Trim free? Yes and no. If Trim can’t lower your expenses, you don’t pay a dime. But if Trim is able to lower your bills, you keep 66% of your savings the first year and 100% of your savings every year after. 

Please note that Trim takes their payment immediately. For example, if Trim saves you $10/month on your internet bill, they will request their 33% fee ($40) right away. But you keep 100% of the savings after that. 

Download Trim and let its AI abilities make you more productive by getting rid of expenses you don’t need.

4. Exercise for the Health of It

People who are never broke can afford to do a lot of things, but they pretty much all do one free thing every day. Do you know what it is? Author Thomas C. Corley spent five years studying rich people, and he discovered they exercise consistently. Three-quarters of them exercised for 30 minutes a day because it’s good for the body and brain [source]. Take a 30-minute walk around your neighborhood to get out and enjoy the fresh air. You’ll be glad you did and so will your money.

Need an Incentive to Exercise? Sweatcoin is It

If you need an incentive to exercise more, download Sweatcoin.

It’s an app that will award you Sweatcoins for every 1,000 steps you take. These Sweatcoins can be spent in their Sweatcoin marketplace. More than 11 million users increased their physical activity by 10-16%. 

Sign up for Sweatcoin here, earn some rewards, and be healthier and productive.

5. Sleep, It Does a Body Good (and So Much More)

You might think with all this talk of productivity that you should be on the go all day and all night. Wrong. You need your sleep, and not just to give your body rest. Sleep improves our ability to learn new information and assists in optimal emotional control, decision-making, and interacting with others [source]. Go to bed at the same time on a comfortable bed and pillow, and tell Siri or your Google Assistant what time to wake you up in the morning.

A Good Mattress Leads to More Restful, Restorative Sleep

If you want a more restful sleep, check out a Zinus gel-infused memory foam hybrid mattress. You can get one on Amazon, where 67% give it five stars and another 15% give it four stars. One reviewer suffered with lower back pain because of a mattress, but slept like a baby with a Zinus.

Sleep well, wake up rested and be more productive with your new Zinus mattress.

Check out the Zinus Memory Foam Mattress on Amazon here (check out those 5-Star reviews).

6. Watch Less TV, Play More Games

Watching TV numbs your mind and exposes you to all kinds of ads enticing you to spend money. Instead of watching so much TV, use the time to play games that stimulate your mind. Not all games are created equal, so choose wisely. Word games help improve brain function and productivity.

7. Create Multiple Streams of Income, Especially a Passive Income Source

When we have just one source of income, it becomes easy for our cash flow to be shut down. Millions of people were dealt financial blows due to public health emergencies, economic downturns, and inflation hikes. Were you among them? How did you respond to the financial crisis? 

People who are never broke understand the importance of having multiple streams of income, which can be a second job or a side hustle. But, that means you don’t earn money unless you work. How can you develop a passive income source that provides earnings over time without your active participation? Through investments. Investing should be a part of your financial plan to create wealth.

Invest in Local Companies with Mainvest

 “It takes money to make money” is something we have all heard. The implication is you need a lot of money before you can launch a business or earn a passive income. If earning a passive income has been elusive for you, then you will want to hear this news: You can invest in companies for as little as $100 and make money as they do. How? Through Mainvest.

Mainvest is a crowdfunding platform for local businesses. It connects entrepreneurs with investors like you. Businesses that seek funding with Mainvest go through a vetting process to ensure lower risk and a greater likelihood of success.

Mainvest will help you become an investor in a coffee shop, bakery, microbrewery, or another local business. Each quarter, Mainvest renews the financials, and investors like yourself will participate in revenue sharing. Are you ready to generate a passive income and let your money make money for you?

Get started with Mainvest today for as little as $100.

Be Productive with Your Life and Money

Do you agree with this saying: An undisciplined life is not worth living. The great philosopher Socrates said that. When we make poor choices that lead to an unproductive lifestyle, then we live undisciplined lives.

Everyday you are faced with choices: Will you spend or save? Will you build yourself up or tear yourself down? Will you sharpen your mind or dullen it? Let your productive lifestyle influence productive spending. Let everything you buy make your life better or easier. When you spend money to solve problems rather than create them, you will never be broke.

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