What’s a healthy money habit you’ve formed in your life?

We know that simple steps can help us create smart money habits that can stick. Hear what several Thrivent clients shared with Thrivent Magazine about the healthy financial habits they've incorporated into daily life to help them find financial clarity.

I have all my credit cards set up on automatic payment. When they come due, they are paid in full.

Ronald Kangas, Harper Woods, Michigan

My main money habit is being and living debt free. I have a goal to always live within my means.

Jonathan Bouse, Wabash, Indiana

We believe that 10% goes back to God’s work. When we were married in 1967, we started saving, got life insurance and never accumulated debt. During our retirement, we have adopted the habit of doing at least one good deed per day.

Richard and Ellen Smith, Manteno, Illinois

Paying credit cards off every month.

Jennifer Iris, Beverly Hills, Florida

I set a reminder in my phone for Jan. 1 to review my credit reports from the three credit reporting companies, assessing for any fraud.

Kaylin Matos, Rochester, Minnesota

Keep track of your expenses at a minimum of weekly while debt is higher. Monitor your checking for items that should not be there. Keep a written budget to ensure all expenses are covered monthly.

Sarah Schiermeister, Omaha, Nebraska

Don't charge more than you can pay off in full on the next statement! Otherwise, you'll end up paying a lot of interest

Charlotte Trayer, Mountlake Terrace, Washington

A healthy money habit I have formed is contributing to my 401(k) that my employers have matched. I have been able to build a good retirement.

Keith Rigby, Kamiah, Idaho

Want to read more about how to incorporate smart money habits into your daily life? Get tips in Steps to better money habits.

Question for Fall issue of Thrivent Magazine: What’s your vision of retirement?

Tell us in 50 words or fewer by emailing thriventmagazine@thrivent.com.