Build The Life You Love in 5 Steps: Modern Money Habits

Disclaimer: Some of the links below are affiliate links, which means we may receive a small commission, at no extra cost to you, when a purchase is made through a link. Read our full disclosure for more info.


Creating a money habit isn’t always familiar for people like me who don’t own/or practice a habit of savings consistently.

From the money habits that I have gained from my family background, one thing that I can remember in mind is saving up.

Yes, saving up for the money, and it’s for the future and the better days ahead.

Yet, even though it’s a simple habit that we all known, we, (meaning our family) seldom reach the goal of saving good money for extra expenditures.

Because we don’t know what’s in it for us, and will usually go for

  • immediate gratification for something we want
  • being present for now, not planning enough for the future

I hope it make sense, if not let me know. 😛

By saying that, in this post I am breaking down 5 steps on learning some useful and effective money habits because its important to learn how to see these habits as hacks if you are similar to me, who does not manage money as a counting task.

Let’s begin if you are eager to know more about it~

How To Build The Life You Love

It’s so important to start with this topic because it will be no point to build money habits if you don’t have a goal you want to reach.

Or either you will have little motivation to start a money habit that can drive you crazy…

Let’s imagine, if you are so determined that you want to get an Ipad. For whatever reason it can be creating graphics, getting access to great programmes, starting out your business, etc.

(Nowadays, having a gadget like the one I’ve mentioned, can really create a TON of beautiful & useful creation)

Starting a money habit – like saving money is directly the opposite of what you want to do right now, which is buying the gadget instead.

So it’s very possible that if you do have the budget, most probably buying the gadget is what you will go for as there’s no burden to have yet.

Most probably. But you might not be the kind that I’m saying in this case.

On top of that, I think that’s how we all break the cycle of saving money for the future even though it’s moving us towards building the life that we want to.

So how are you going to know if the stuff that you buy is going to fulfill for immediate gratification or as an investment for the long term?

Let’s try to uncover that in this post.


I started learning about Ikigai a few months ago on a book and from several artists on Instagram who were impressed by its spirituality and amazingness.

Many of them were living a loving life with a job that they love. But they were not working exactly as a full-time artist!

In the meantime has still found a way to connect with people with a common interest and making way for their passion.

I was greatly inspired by how people do their job and hobby so well-fitting together.

Here’s how Ikigai has helped these artists learned building the life that they love, and I figured it might be useful for anyone who wants to know why are they doing this before embracing the money habits.

It should be the same concept.

How To Find Your Ikigai And Transform Your Outlook On Life And Business
Source: Forbes

The Ikigai

If you have no idea what Ikigai is, it’s basically a dream come true for people wanting to build a life they are excited to pursue.

From four perspective above, you can see that it uncovers having something you love to do as a profession becomes the main support for somebody to move forward, and being able to contribute to the world with that is what brings human joy.

Of course, any missing of the aspects doesn’t make your daily work less interesting or should you be worried about it.

You will always have the opportunity to get better once you have known something new.

That is the point of us addressing this issue – becoming better to create the life we love.

When continue reading this you will see how Ikigai can help you develop a better money habit as it’s our main focus to understand what encourages ourselves to build a better life.

And to start forming powerful money habits around your life so that you have the ability to create the life you want to.

The meaning of Ikigai gives us a glimpse of how Japanese sees learning as a life-long lesson. And in this case, to master the craft of Ikigai, balancing our life in some aspects plays a significant role.

This mainly includes four aspects:
  • SUPPORT – With a paid job that allows you to support yourself
  • LOVE – Doing what you love/or passionate about
  • HAPPINESS – Doing something you’re good at/ achieving your goals
  • GIVING – Contributing to the world/ providing value

When you have something to offer with these four in mind, where your passions and talents are the striving skills that support your daily life, you will less likely face a lot of frustration at work or during home.

Because most things will be in control having to make use of your ability and skills – with the world’s is in need for it.

And what’s more than feeling happy at what you do, right? I will be grateful and feeling appreciated if I get to do something I love to support myself.

So how does that has to do with building a life that matters to ourselves?

This whole Ikigai introduction is to remind that if you don’t think there’s a goal you want to reach, for example creating the life you want to, it’s unlikely you will see yourself grow with these money habits or sticking to it.

Everything is achieved with the dream behind your thoughts.

Your Motives

If you want to create a money habit that sticks, it is very believable that finding your dream goal can motivate you to do so and stay away from all sorts of problems such as procrastination.

You will not have a reason not to start saving money, make a financial plan for your future and learn to spend money the right way.

And of course learning more ways to earn money for yourself.

How to Unlock the Key to Money Freedom

So up to this point, if you are starting to look for your Ikigai and wanting to improve your life, that is great!

Going through these powerful money tips can help you manage your money better and make way to build your dream life.

Here are the tips that has helped me learn create money freedom-

  • Track where the money goes
  • Planning the money
  • Making better decisions by knowing your priorities
  • Start saving for today and the future
  • Achieving dreams

I have also made these tips into steps of instructions because I thought that it would be easier to take action if its some sort of INSTRUCTIONs.

Step 1- Track Your Spendings

Making smart decision for every spending we do is not an easy task – when its possible to bombard by hundreds of advertisements when we are trying to buy something.

At the end of the day, it’s good if we don’t spend more than the income we earn because it can be a very burden task to live with freedom.

That’s why a useful tip will be tracking how you spend your money using a spreadsheet.

Writing these things down on a paper is fine because it makes you remember the overall spendings you can do in a month, instead of overspending.

Having a spending spreadsheet can help you to:

  • Save more money
  • Stop buying excessive things
  • Avoid getting into credit card debts

You will be surprised how the money left at the end of the month can help increase to the emergency fund!

Spending money without a limit is what makes the mistake can go horribly wrong. And if somebody asks if you are a big spender, they probably couldn’t even tell if they’re one of them.

The best way to know if you’re spending money wisely is to check and track your spendings by month.

Some questions to ask yourself:
  • Are you spending more than the income you earn?
  • Wasting money on things that you don’t really use them?
  • Having a burden on debt but not changing your spending lifestyle?

These are all affected by the decision you make when spending money.

So if overspending is your concern, listing down your spendings every month to just have a better look at your financial health.

Step 2- Plan your money

There’s a saying that goes prevention is better than cure – which savings are always what we pay attention to when it comes to preparing for the future.

But planning for the money is equally important if you want to be more in control of your finance situation.

As what we’ve mentioned in the first step, jotting down the current income and support can let someone be more aware of their financial situation.

By planning money wisely, it’s easier for us to:

  • Feel confident about our financial situation
  • Stop buying excessive things/ cutting down expenses

Thus it’s important to plan ahead if you want to stay in control especially during trying times…It’s always not too late to make this a goal for yourself.

Here are some essential tips that can help planning your future ahead:


Learn to make a budget for things you want to buy other than essential needs is a great idea to help identify whether you really need the stuff or not.

Only getting things with a budget in mind is what allows me to not worry about the money I spent on something.

Because I’ll know I’m in good hands with how I decided to spend my income.

The benefits of budgeting are rewarding as:

  • realising we don’t actually need so much stuff unless we really use it
  • understand where our cashflow went each month
  • makes room for the things/experience that we really care about

Learning to budget on immediate spendings is a life-long lesson and knowing your priorities always help to cope with that.

Step 3- Know your priorities

I think knowing our own priorities is what helps us becoming a better finance decision-maker after all.

Even though I do not know what situation you may be in, but it’s important to know what are your goals behind practising these good money habits because I think it’s what keeps us moving forward.

It will be hard to change bad money behaviour if there are no dreams to reach.

Ask what are the reasons that makes you want to earn and save more:

  • Is it paying debt or a loan?
  • Having more freedom to do with your money?
  • Providing yourself with a better living lifestyle in the future?

Those are emotional reasons that might give you the main idea of why are you doing this at the end of the day.

Again, everyone can begin at a different finance level, but starting these good money habits still requires courage and perseverance no matter what situation you’re in.

Starting as early as you can with these steps counts when you look back and see your goals are getting closer. This sense of achievement is always great for positive finance growth as its an effort made by ourselves.

Step 4- Saving for today & the future

Another way to take control of your finance is obviously saving the money you have.

But its often too obvious that we do not take it seriously,…

However, I think having a mission or a final goal for your savings will make everything easier when it comes to savings.

Try to think about situations/topics when we start saving money:

  • For buying things we love
  • Going for a vacation
  • Some electrical appliances at home – needed a replacement

It’s all leading to the same motives when something is in need and we want to get something that we have a desire to or can provide us with some help.

So if you know the reason behind you are saving to get something that is worth it, keep going and saving the money does help!

We’ll talk about why saving money doesn’t make you guilty of buying things anymore coming up.

It’s a long one here…

Step 5- Achieving your dreams

The final step is created to tell the idea of earning an extra income for your home other than having your main job.

And how that can help you achieve your goals and dreams at your capabilities.

A secure job can be great to provide food on the table, but having a passive income stream diverse your source of income and allows you to make time for the people/things you love.

There are many creative ways to build an extra income out in the world so its very possible that you can find yours to support yourself with the knowledge and skills you can provide.

And making an extra $100 a day will be fabulous to me – only if I know I should start out earlier.

But later than never! You can start creating your own passive income and make more freedom in life.

Earning passive income is what has helped me learn –

  • Planning the future
  • Building wealth for my living dreams
  • Stop worrying about money all the time

And I believe that if you are starting out your journey, you’ll have a chance to improve or better the situation, instead of waiting for a solution and depending just on savings.

So what’s next?

Building connection with Ikigai and transform your money mindset (how you see money as a tool) with it.

Ikigai says joy, fulfilment and balance are how it cycles for the dream achievers… and so do you treasure its greatness and go for it?

That action needs to come from you.

More inspirations on mastering money habits

It’s a constant learning experience to learn how to have money freedom and the key insights I have learned are inspired by a class took from the photographer named Justin Bridges.

He has a class on Skillshare that teaches all about creating your own modern money habits to make your living dreams. This class go deep about how daily habits & mindset can better your financial health.

If you are interested in any way, here’s a two-month free trial on Skillshare to take this class and more than thousands of premium classes ranging from creative arts, design and business waiting for you to discover on the platform.

So take this chance to learn something new on Skillshare!

Also keep this in mind, the teacher that taught me finance was a former finance professional, but I am not one, so just sharing this as a personal learning experience, but not applicable for professional advice.

This post is not sponsored. All opinions are based on my honest reviews and thoughts!

Thank you for taking the time to read this with me! 🙂

Leave a Reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.