Habit One: Be Proactive :
Habit One: Be Proactive How to be proactive for effective frugality: Take the first step Listen Tell people
Habit Two: Begin with the End in Mind :
Habit Two: Begin with the End in Mind How to visualize effective frugality: Define your goal and… Decide how you’re going to get there
Habit Three: Put First Things First :
Habit Three: Put First Things First How to put effective frugality first: Recognize the effects of your finances Just say no
Habit Four: Think Win-Win:
Habit Four: Think Win-Win How to create frugal win-win situations: Recognize that you don’t always know the full story Understand the difference between possessions and net worth
Habit Five: Communication :
Habit Five: Communication How to synergize for effective frugality: Look for new ways Surround yourself with other frugal people
Habit Six: Synergize:
Habit Six: Synergize Cooperate creatively with others
Habit Seven: Sharpen the Saw :
Habit Seven: Sharpen the Saw How to frugally renew yourself: Physically Emotionally Mentally Spiritually