The habit tracker works just like a financial ‘fitbit’. You set your goal, and monitor your performance, tracking spend against budget and you get a weekly report on how you are performing.
Peter never understood why he ran out of money in the first 2 weeks of the month so he started using the habit tracker to identify the problem.
He identified where he spent most of his money and which spend he could reduce or cut out completely.
He set goals for himself with rewards for achieving them.
Over the course of 6 months Peter cleared his credit card debt and started saving.