<prompt> Human: So I was not raised well in the world of financial literacy. I know what I have to do but my habits are so bad Im constantly digging holes for myself. For example, right now Im -18 in my bank account and Im about to be an additional -35. How do you build these habits??  <response>: Step 1: Create a budgetStep 2: Follow that budgetSelf control cant be magically acquired, but after creating a budget and seeing where your money is leaking, it becomes much easier to reign in bad habits. 