Learning how to be financially disciplined is crucial for good money habits. Fidelity warns of the risks of holding too much cash. Expert-recommended ways to break bad financial habits include setting clear goals and budgeting. Accountability and sharing goals with others can keep you on track. Planning ahead for nonessential purchases can curb impulse buying. Creating a “no-tech zone” for financial decisions and maintaining a money stories journal can also help. Financial environmental design, like removing credit card info from online sites, can support wiser spending decisions.

Read more at Yahoo Finance: 8 Ways To Teach Yourself Financial Discipline and Break Bad Habits