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In this week's video, Chelsea walks you through the essential tools every lazy person needs to get better with money.

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Hey, guys! It's Chelsea from the Financial Diet and this week's video is brought to you by Credit Repair.

This week I wanted to talk to you guys about the little tools that help you get good with money even when you're not that good at staying on top of things, or when you have a hard time following through. Basically, if you tend to be a little lazy, like myself, it's best to just accept that truth, lean into it, and put things in place that allow you to get out of your own way and to accomplish the things that you want.

At TFD, we love talking about the little ways to make productivity, money, and your professional work more painless and easy, because we know that one of the biggest obstacles to people getting their adult life in order tends to be just thinking it's too hard, or that they don't have the right tools to do it. But the truth is, especially when it comes to money, about 90% of the battle is just getting things started, or putting a few key routines or automations into place. 

Once you set them up, most money actions don't need to be thought about that often. And we believe that putting those fail-safes in place early will allow even the laziest person to achieve their money goals. 

So without further ado, here are six money tools every lazy person needs. 

Number one is apps that help you form and keep a habit. So one truth that we all must accept as we become adults, is that, especially when it comes to money, putting good habits in place is going to be the deciding factor between whether or not we get what we want. But starting where you are today, i.e. a little lazy and not that good at managing money, it can feel really hard to get over that "getting started" hurdle, to the point where making the right financial decisions and moves feels like second nature. 

So we recommend starting by picking three small, specific money things that you need to make a habit. For example, let's say - going over your account transactions, checking your net worth, and sending invoices if you do any freelance or self-employed work. So you pick those habits and you commit to making them a regular, timed routine. 

There are several great apps that will help you create and maintain a habit, and we'll link you to a few of those in the description. But they all do similar things: they work with your calendar to remind you; they send you encouragements and reinforcements when you do what you're supposed to; and they allow you to course correct, so that you don't make one missed appointment become an excuse to derail your entire progress. 

You should use the right apps to essentially be your backup brain. And force you into the habits that, once they become second nature, will make managing your money feel a thousand times easier. 

Number two is an advocate for when you get in trouble.