As I’ve mentioned many times before, I’m hard at work on a book about how we make and break habits. This masterpiece will hit the shelves in 2015.

When it comes to habits, most of us — well, perhaps not the Rebels — have habits that we’d like to add or drop,

A few weeks ago, I asked the question: What habits most affect your spiritual life and work life? The answers were fascinating.

Now I have a follow-up question: What habits most affect your financial life?

For instance, do you…

–use an automatic savings plan (what I call an “invisible habit”)

–use cash instead of credit cards Andy Warhol, who enjoyed the experience of spending, remarked on this distinction: “I don’t like charging. It feels more like buying if you pay with money.” For most people, using cash makes it harder to spend (in a good way).

–spend hours every day on online shopping

–shop only from a list, so you’re not tempted to make impulse purchases you’ll later regret

–keep a careful record of everything you spend

Those are some examples, to help prompt your thinking.

Some people need habits to help them not spend — I, as an under-buyer, need habits to help me spend. I remind myself, “If I need it, buy it now.” Otherwise I just keep putting off purchases, even when it causes me a lot of inconvenience.

How do habits–both good and bad–affect your financial situation?