You’ve probably heard of the bestselling book Atomic Habits by James Clear. It’s become a game-changer for so many people—and for good reason. It explains how small, consistent actions shape who we become.
One quote that really hits home is this:
“The most effective way to change your habits is not to focus on what you want to achieve, but on who you wish to become… Every action is a vote for the type of person you want to become.”
In other words: you are what you repeatedly do.
Clear explains that habits help us solve life’s problems with less effort. They can become automatic, like taking the stairs instead of the lift, or smiling before answering the phone.
Without knowing the science behind it, Neven and I have been using the same method to manage our money. We’ve created our own Money Rules—simple habits that align us, guide our decisions, keep things stress-free, and help us live in line with the kind of people we want to be: generous, secure, and smart with our money.
We’re sharing ours below—feel free to use them as inspiration and create your own (whether you’re flying solo or managing finances with your partner!).
Ann-Marie & Neven’s Money Rules
#1 We Review our Finances Monthly
We track where our money goes and reflect on how we spent it—this happens during our monthly date night. It’s become a ritual that helps us stay connected and on track.
#2 We Invest 35% of our Post-tax Income
This goes towards our financial independence—property, shares, and other investments (including some negatively geared ones). We treat this rule like a non-negotiable bill.
#3 We set Money Aside to Give
Every month, we put aside a set amount for giving. Whether it’s supporting a friend’s charity, entering a fundraiser raffle, or backing a local event—we always have money ready to give without second-guessing it.
#4 We Plan Trips in Advance
When the kids were younger and we were in corporate jobs, I used to plan holidays a year ahead. These days, with the business and kids’ sport, we plan 3–6 months in advance. It gives us time to budget, get better rates, and work around events like athletics or gymnastics comps.
We’ve even started planning trips around competitions—like the Athletics Masters Games in Port Augusta, which turned into a fun weekend away for Neven and me. Having something on the calendar gives us a sense of excitement and makes even the busiest seasons feel more balanced.
#5 We keep One Year of Living Expenses in Cash
As I prepare to leave my corporate role and join D8 Training full-time, this safety buffer gives us peace of mind. While many people aim for 3 months’ worth, we’ve chosen 12.
#6 We each get $400/month to Spend Freely
No questions asked. I use mine on clothes and shoes I love—guilt-free. Having a set spending allowance has made a huge difference in how I feel about treating myself.
I recommend this rule for all using an amount that works with you and your budget.
#7 We Consciously Spend & Love a Good Deal
We’re intentional with our spending and always on the lookout for value. The Entertainment Book is our go-to for discounted date nights and school holiday fun. We also take advantage of offers through our bank (like discounted gift cards), phone provider perks, and loyalty programs.
For gifting, I buy Christmas and Easter presents during sales and save them for teachers, coaches, and others. It helps us stay generous without the last-minute rush or financial stress. Smart spending means we enjoy more without overspending.
#8 Time Matters more than Saving a Few Dollars
Before reaching a level of financial independence, we were super frugal—always looking for ways to do more with less. But now, with more freedom and a higher income, our time has become more valuable than chasing every dollar.
For example, I recently bought magnesium from Priceline while I was already at the shops, even though it was $3 cheaper at Chemist Warehouse. It wasn’t worth the extra time or effort (though I still asked if they price matched—habit!).
These days, I’ll spend a few minutes checking for deals—like in the Entertainment Book—but if there’s no decent saving, I just go ahead with the purchase. It’s all about balance: we still spend smart, but we don’t let small savings cost us time and energy.
#9 We Invest in Personal Development Every Year
We dedicate around 10% of our income to courses, mentors, or training that help us grow. We’ve always received at least double the value back—and more importantly, we keep learning and levelling up.
#10 We ask: “Will we Actually Use It?”
Before buying anything new—especially appliances, gadgets, or memberships—we stop and ask ourselves: Is this something we’ll use regularly, or will it end up collecting dust?
This simple question has saved us from impulse purchases (like that fancy juicer we thought we needed). It helps us pause, reflect, and make sure our money is going toward things that truly add value to our daily life.
Now it’s your turn…
💬 What are your money rules?
Drop a comment below and share any tips or habits that work for you—especially the ones that make life smoother or more aligned with your goals.
Want help creating your own personalised money rules?
📞 Book a strategy call with me here and let’s chat about how to simplify your finances and build a life that supports the future you want.
Subscribe to the blog for more transformative insights and practical tips to empower your journey! Follow us on Instagram and Facebook for your daily dose of motivation, inspiration, and community updates. Let’s stay connected and grow together!
Leave a Reply