At a time where exponential population growth has sparked off an unprecedented competition for resources to ensure survival and personal success, it has never been more necessary to acquire skills and cultivate habits required for you to not just survive but also to thrive financially.

These skills and habits, although very basic and easy to imbibe, can make a whole lot of difference.

Learning the art of saying no

No to going out, no to buying that thing, no to a time commitment, etc. Learning to say NO is huge, it’ll save you a lot of money and, more importantly, time so you can focus on the important things in life. Here are some great tips on how to learn the art of saying no .

Learn to prioritize your financial health above your wants

You can start by being intentional about your financial future (like setting goals) until your intentional actions become habits. Natalie from FinanceGirl shares how she intentional living can help you make better decisions and live with fewer regrets .

Learn to cook a few basic meals 

Cooking from scratch is a great way to save money. Spaghetti & meatballs, grilled chicken and vegetables, whatever is both good and tasty ( here are some places to find recipes ). Have a few go-tos to impress friends, slim down your dining out budget, and slim down your waist. To kick this up to the next level, have a “signature dish” that you can make in your sleep and that is really good. (mine is Chicken Parm)

Maintain major equipment (including you) 

Ounce of prevention beats a pound of cure. Maintenance of yourself and your possessions is crucial for increasing the lifespan and regularly maintenance is a good discipline to develop. First one on the list? Learn some basics for car maintenance , your most valuable piece of equipment both in price and utility.

How to adjust your habits to fit your goals

Your habits are malleable and learning how to adjust them to your environment is a powerful skill. Financially, that means identifying what you value and adjust your habits so you’re able to achieve your goals.

How to spot a scam 

Everyone needs to keep a keen eye on avoid scams. A lot of people fall victims to money scams each year because they want something that is, frankly, too good to be true. Before committing to anything like a “deal”, “assistance”, “aid”, or more, make sure you do your research. Scams tend to pop up the most when you’re in the most dire straits, so always be vigilant. Prime example? Student loan scams.

Stop playing the victim 

Take an active role in your finances. You’ll feel empowered when you stop saying “I can’t afford that” and recognize that you have choices.

Find contentment

I think one of the best skills we can possess is contentment. Most of us live in a world where our standard of living has increased dramatically, but yet we don’t realize it. John Rockefeller probably had chauffeurs to take him by horse and buggy all around town, but wouldn’t you much rather be riding in a ten-year-old Chevy?

Culled from