Answer:

Financial Habit: Spending More Than I Earn.

I dont just want to change this but i have too because this is a bad financial habit that could make my life in the future worsen.

Explanation:

To replace your bad habits with good spending habits, follow these specific steps:

1. Make a List.
2. Avoid Situations That Cause You to Spend Foolishly.
3. Be Accountable to Someone Else.
4. Replace the Bad Habits With New Constructive Habits.
5. Institute a Reward System.
6. Use a Visual Reminder.