It’s the official countdown to the New Year.

With only four weeks left in 2017, now is the time to reflect on ways you can improve your habits so that you’ll make the most of 2018. They say we are a collection of our habits, so the best way to change your situation is to change your habits. With that said, here are a few good habits you can start implementing into your lifestyle today so you can achieve the lifestyle you want tomorrow.

First, avoid using your credit card for everyday items. This will better your habit of sticking to a monthly budget. It’s all too easy to fall into the pay-later trap that will leave you stretched—or even worse, leave you with a recurring balance. Banks will never tell you they want you to run a balance at the end of the month, but the reality is they make their gains off your interest rate. Why bankroll them if you don’t have to? Second, get an accountability partner. Sometimes the best way to stay on track is to have someone who can cheer us on and help us up when we make a mistake.

Finally, know what’s important to you. Is it buying your dream home in the next 5-10 years? Or maybe it’s buying your starter home in the next 3-6 months? Either way, having a clear vision in focus will help you to make good decision that will impact your future.

If you improve your habits now, you will reap the benefits in the long run.