Christian Money Mindset for Business women by Fun Money Habits

151 Episodes

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150 // Christian Money Mindset wake-up call: why you’re still playing small

2026-03-0308:39

Are you a Christian woman entrepreneur stuck in financial tension even though you love Jesus and know you’re called to your business? If earning feels heavy… If selling feels uncomfortable… If money decisions create anxiety instead of peace… This episode is your Christian money mindset wake-up call. We’re talking about why your struggle with money isn’t a strategy problem — it’s a belief problem. As a Biblical Money Mindset coach, I’ll show you what Scripture actually teaches about renewing your mind (Romans 12:2, ESV), how your thoughts shape your financial behavior, and why no new tactic will fix unrenewed thinking. If you want to build your business with biblical confidence, practice faithful stewardship, and stop playing small because of fear, this episode will help you realign your money mindset with God’s Word. 👉 Take the free Christian Money Mindset Quiz + learn more about Biblical Money Mindset coaching at: www.funmoneyhabits.com/start-here

149 // The Hidden voice keeping you stuck with Money for christian business

2026-02-1708:22

Fear doesn’t always sound like fear. Especially when it comes to money. For Christian women in business, fear often disguises itself as wisdom, discernment, or even spiritual maturity. It whispers things like: +“I’m just being wise.” +“I don’t want to rush God.” +“I should wait until I feel more peace.” +“I don’t want money to become an idol.” On the surface, these sound faithful. But what if some of the thoughts you’ve labeled as “wisdom” are actually fear wearing a spiritual mask? In this episode, we uncover the hidden voice that keeps so many Christian entrepreneurs stuck — not because they lack strategy, but because fear is quietly shaping their decisions. You’ll learn: ✨ How fear disguises itself as caution, responsibility, or spirituality ✨ The difference between obedient waiting and fearful avoidance ✨ Why “I need more clarity” is often a fear‑based delay ✨ How to discern whether a thought leads to peace or paralysis ✨ A simple practice to expose fear and move forward in trust ✨ What Scripture actually teaches about fear, wisdom, and provision This message is for the woman who loves God, wants to steward well, and is tired of feeling stuck — even though she’s doing “all the right things.” If this resonates, you’ll love the 90‑Day Biblical Money Mindset Program, where we go deeper into uncovering the patterns that keep you from earning with peace and leading with confidence. You’re not called to be fearless. You’re called to be faithful. And faith moves with God — even when fear whispers “stay where you are 💬 Let’s connect: Comment below and tell me: Which “wisdom‑sounding” thought has been holding you back? + Explore free resources, coaching and courses → www.funmoneyhabits.com + Book a call → https://tidycal.com/funmoneyhabits/clarity-call + Follow me on instagram → @christianmoneymindset As Biblical Money Mindset coach for Christian Women in Business I help you transform your relationship with money by uncovering hidden money mindset blocks and renewing your mind with God's word so you can earn without fear, sell with peace, and enjoy stewarding your calling with biblical truth.

148 // The Hidden Reason your Financial Goals keep stalling every year

2026-02-0309:36

Why do your financial goals keep stalling every year — even when you’re motivated, prayerful, and committed? In this episode, we explore the real reason Christian women in business struggle to maintain momentum… and why it has nothing to do with discipline or strategy. You’ll learn: The hidden beliefs shaping your financial decisions Why strategy can’t fix a mindset rooted in fear How God, mindset, and strategy work together What the MIRROR framework reveals about your patterns How to finally break the cycle of stalled goals If you’re ready to earn with peace, sell confidently, and steward your calling without guilt or striving, explore more at funmoneyhabits.com or click below. ✨ Free Quiz: Discover your money mindset type https://form.jotform.com/CoachRaina/quiz If this episode encouraged you, share what resonated most by sending me a DM @christianmoneymindset. Your story may encourage another woman who’s walking the same path

147 // Why Money Mindset comes before strategy — especially for Women in Business

2026-01-2008:16

Why does money mindset matter more than strategy — especially for women in business? If you’ve ever felt anxious about selling, showing up, raising your prices, or doing the income‑producing tasks you know would grow your business… this episode will speak directly to your heart. Many women don’t struggle because they lack strategy. They struggle because money triggers fear, shame, avoidance, or shutdown — long before they ever open a spreadsheet. In this episode, we explore: why money mindset comes before money strategy the fear behind your fear when money enters the scene how anxiety, guilt, or overthinking keeps you playing small the biblical truth that brings peace, clarity, and confidence how to build a business rooted in stewardship, not stress If you’re ready to uncover your current money mindset and the beliefs holding you back — and learn how to reframe them with God’s Word — take the free quiz at https://www.funmoneyhabits.com or click below. ✨ Free Quiz: Discover your money mindset type HERE ✨ Learn more about the 90‑day program: funmoneyhabits.com If this episode encouraged you, share what resonated most by sending me a DM @christianmoneymindset. Your story may encourage another woman who’s walking the same path

146 // When striving stops and trust takes its place

2026-01-0612:34

Many Christian women entrepreneurs aren’t “bad with money.” They’re responsible… yet still playing small. In this interview, Lee shares how uncovering the fear behind the fear shifted her relationship with money, strengthened her faith, and gave her the confidence to take an obedient next step—including resigning from a role that no longer aligned with God’s call. You’ll hear about: Why managing money well isn’t the same as trusting God fully How Scripture-based mindset work creates real-life courage What changes when striving stops and partnership with God begins This conversation is for you if you feel called to more—but something unseen is holding you back. Explore free resources, coaching and courses → www.funmoneyhabits.com Book a call → https://tidycal.com/funmoneyhabits/cl... + Follow me on instagram → @christianmoneymindset As Biblical Money Mindset coach for Christian Women in Business I help you transform your relationship with money by uncovering hidden money mindset blocks and renewing your mind with God's word so you can earn without fear, sell with peace, and enjoy stewarding your calling with biblical truth.

145 // How do I plan for next year without feeling overwhelmed? (A Christian Simplicity Method)

2025-12-1613:47

Do you feel overwhelmed when you sit down to plan your year? In this episode, I share a simple, Christ‑centered method to plan your year with peace and clarity, so you can avoid overwhelm and stay rooted in God’s leading. 🌟 This episode's highlights include: Why most overwhelm comes from trying to plan the whole year at once How to use the K.I.S.S. Review (Keep, Improve, Stop, Start) to reflect wisely Breaking your year into four 90‑day sprints for focus and momentum Using the EPIC framework to set Christ‑led goals Making planning a living conversation with God, not a one‑time event Tune in to discover how planning one faithful season at a time can transform your year into a journey of peace, clarity, and Spirit‑led growth. + Explore free resources, coaching and courses → www.funmoneyhabits.com + Book a call → https://tidycal.com/funmoneyhabits/clarity-call + Follow me on instagram → @christianmoneymindset As Biblical Money Mindset coach for Christian Women in Business I help you tranform your relationship with money by uncovering hidden money mindset blocks and renewing your mind with God's word so you can earn without fear, sell with peace, and enjoy stewarding your calling with biblical truth.

144 // How do I set prices or raise prices for next year

2025-12-0916:54

Struggling with how to set or raise your prices for next year? In this episode, Coach Raina breaks down the psychology behind pricing fear, why your price is NOT your worth, and practical steps to confidently set or increase your rates. You’ll learn: ✅ What’s happening in your brain when pricing feels scary ✅ How to separate identity from pricing ✅ Simple steps to calculate and choose your price ✅ How to communicate a price increase with clarity and peace This is for Christian women who want to steward their calling with joy, sell confidently, and earn with peace. Here’s the part most women fear — but it doesn’t need to be dramatic. A clean, simple explanation is enough: Option 1 — Professional + Clear — “To continue providing the level of support and transformation my clients receive, my pricing will be updated next year.” Option 2 — Respectful + Direct — “As my experience and the depth of my work has grown, my pricing is adjusting to reflect the value and the time required to serve with excellence.” Option 3 — Transition Period — “Current pricing remains available until [date] if you’d like to take advantage of it.” No defending. Nooverexplaining. No guilt. Just clarity. ✅ Explore free resources, coaching and courses → www.funmoneyhabits.com/resources ✅ Book a call → https://tidycal.com/funmoneyhabits/clarity-call ✅ Follow me on instagram → @christianmoneymindset As Biblical Money Mindset coach for Christian Women in Business I help you tranform your relationship with money by uncovering hidden money mindset blocks and renewing your mind with God's word so you can earn without fear, sell with peace, and enjoy stewarding your calling with biblical truth.

143 // End of Year Money Anxiety: What God says when you feel behind in your business and finances

2025-12-0211:58

December can bring more than holiday cheer—sometimes it brings a knot in your stomach when you open your planner or your bank account. If you feel behind in your business, or anxious about your finances, this episode is for you. In this video, I share: The guilt and shame cycle that keeps many women stuck. Why your brain reacts like danger when you feel “behind.” Biblical perspective from Hebrews 11–12 to help you run your own race with endurance. Practical steps to break the end-of-year anxiety loop. How to steward your business and personal finances with confidence. I also introduce: My free 5-day personal finance tracking challenge to gently rebuild trust with your money. My 90-day Biblical Money Mindset Mentorship for deeper transformation, renewing your mind and creating habits that bring peace, confidence, and clarity. Take your first step today: 💻 Quiz: What Money Mindset Is Holding You Back? 💻 Free 5-Day Personal Finance Tracking Challenge: funmoneyhabits.com/resources

142 // How to hear God clearly without being Misled

2025-11-2519:05

Have you ever felt desperate to hear God’s direction — for your business, finances, or next steps — but ended up confused by all the advice online? Explore free resources, coaching and courses → www.funmoneyhabits.com This is my own study and in this episode, I break down how God actually speaks to His people according to Scripture — not through random impressions, emotions, visions, or mental pictures. We’ll explore: ✅ How the enemy subtly deceives us by shifting trust from God’s Word to our feelings ✅ How Jesus Himself heard from the Father through prayer, Scripture, dependence on the Spirit, and obedience ✅ The biblical way God guides us today through His Word, providence, and the Spirit’s application ✅ Practical steps to test whether what you think is from God truly aligns with His truth This teaching is for Christian women entrepreneurs and professionals who want clarity, confidence, and peace while following God’s calling — without fear, manipulation, or chasing every spiritual impulse. Scripture anchors every point: from 2 Timothy 3:16–17 to Ephesians 4:14, Psalm 19:1–2, John 14:26, and more. By the end of this episode, you’ll know how to discern God’s voice biblically and take steps that honor Him in your work, finances, and life. Don’t let false teaching, confusing advice, or your own anxieties keep you from walking faithfully in God’s will. Let His Word guide you clearly. Resources & links mentioned in this video: Take the Free Money Mindset Quiz: funnmoneyhabits.com/quiz Learn about Biblical Money Mindset Mentoring: funnmoneyhabits.com/mentoring Scriptures referenced: Matthew 24:4, 1 John 4:1, 2 Corinthians 11:3, 2 Timothy 3:16–17, Psalm 119:105, John 17:17, Acts 17:11, Ephesians 4:14, Psalm 19:1–2, Romans 1:20, Mark 1:35, Matthew 4:4,7,10, Luke 4:1, Matthew 26:39, John 14:26, Romans 8:14, Proverbs 16:9, Romans 8:28, James 1:5 + Explore free resources, coaching and courses → www.funmoneyhabits.com + Book a call → https://tidycal.com/funmoneyhabits/clarity-call + Follow me on instagram → @christianmoneymindset ====== BIBLICAL MONEY MINDSET Let go of the fear and limiting beliefs about money, success and yourself. Are you ready to Transform Your Finances with Faith, Fun and Freedom. It is time to shift your money mindset with biblical principles and have fun managing money so you can earn more without fear, sell your products with confidence, become a better steward and reach your money goals faster while keeping your heart on JESUS.

141 // Afraid to invest in yourself? Why christian women struggle to invest in their growth

2025-11-1810:36

Which cycle do you find yourself stuck in — spending on quick fixes, avoiding the deeper work, and regretting it later? This episode dives into why Christian women often struggle to invest in themselves, and why breaking this pattern is so important for both financial freedom and spiritual growth. 🌟 This episode's highlights include: The spiral of Spend → Avoid → Regret → Repeat and how it keeps you stuck The hidden root of unworthiness that blocks true transformation A Biblical reframe from Romans 12:2 on renewing your mind with God’s truth Coaching insights on shifting from fear and scarcity to courage and worthiness Practical reflection questions to help you count the real cost of avoiding self-investment By the end, you’ll see how saying “yes” to yourself isn’t selfish — it’s the key to unlocking the freedom God has for you. Don’t miss this one! + Explore free resources, coaching and courses → www.funmoneyhabits.com + Book a call → https://tidycal.com/funmoneyhabits/clarity-call + Follow me on instagram → @christianmoneymindset ====== BIBLICAL MONEY MINDSET Let go of the fear and limiting beliefs about money, success and yourself. Are you ready to Transform Your Finances with Faith, Fun and Freedom. It is time to shift your money mindset with biblical principles and have fun managing money so you can earn more without fear, sell your products with confidence, become a better steward and reach your money goals faster while keeping your heart on JESUS.

140 // Why mindset alone can't give you peace - Theology vs psychology

2025-11-1109:58

In this episode, we explore why mindset work alone can’t give you lasting peace — especially around money. You’ll learn the difference between self-based transformation and Christ-based renewal, and I’ll introduce you to my F.L.I.P. the Table Method: a biblical framework for renewing your mind through theology and discipleship, not just psychology. ✨ You’ll walk away with: Clarity on why mindset work often falls short A biblical lens for emotional and financial peace A practical method to align your thoughts with God’s truth 💬 Take the Free Money Mindset Quiz at www.funmoneyhabits.com 📲 Share this episode with a friend and subscribe for more biblical coaching insights.

139 // Stop Waiting for Peace Before You Act — How to Trust God When You Feel Unsure

2025-11-0410:40

💻 Explore free resources, coaching and courses → Visit www.funmoneyhabits.com You know that moment when you’re sure God called you to something — a new offer, a business idea, or a bold next step — but the closer you get, the more uncertain you feel? You start waiting for peace before you act… and end up staying stuck. But what if peace isn’t the starting point — what if it’s the fruit of obedience? In this episode, we’ll look at Gideon’s story (Judges 6–7) and uncover why peace often comes after we move in faith, not before. You’ll learn how to stop second-guessing your calling, take faith-filled action, and trust that God’s peace meets you in motion. 📖 Key Scriptures: Judges 6:14 (ESV): “Go in this might of yours… do not I send you?” Isaiah 26:3 (ESV): “You keep him in perfect peace whose mind is stayed on you, because he trusts in you.” 💡 Inside this episode: Why waiting for peace can become spiritual procrastination How fear and faith can coexist — and still lead to obedience The difference between peace and comfort How one of my clients moved from hesitation to holy confidence 👣 This week’s step: Don’t wait for peace to move — move in faith and let peace meet you on the way. 🙏 Pray this: “Lord, help me obey even when I feel unsure. Let Your peace meet me as I walk by faith, not by sight.” If you’re tired of second-guessing your calling and ready to renew your mindset around earning, selling, and stewarding your business God’s way — take the Money Mindset Quiz at www.funmoneyhabits.com.

138 // How to stop financial anxiety and trust God with your Finances

2025-10-2810:27

Do you ever open your bank account and feel that pit in your stomach — even though you know God provides? You pray, quote Scripture, and say you trust Him… but when income slows down or another unexpected bill shows up, peace still feels out of reach. In this episode, I’m sharing how to stop financial anxiety by uncovering three hidden mindset traps that keep you in fear — and how to renew your mind with biblical truth so you can finally trust God with your finances. You’ll discover: ✨ Why self-reliance quietly fuels anxiety (and how to release control) ✨ The difference between performance-based faith and faithful dependence ✨ How to shift your sense of security from your savings to your Savior ✨ A simple faith-based practice to build peace and confidence with money I’ll also share a powerful story of one of my clients who went from constant worry about her numbers to actually looking forward to her weekly “Money Date” with God. If you’re ready to move from pressure to peace — this episode will help you see your finances through the lens of faith, not fear. 🔗 Take the free Money Mindset Quiz → funmoneyhabits.com 💛 Share this episode with a friend who needs to hear: peace comes from the Provider, not the provision. 📩 Subscribe for weekly biblical mindset encouragement!

137 // When a Client Says “It’s Too Expensive” — What to Do Instead of Spiraling

2025-10-2108:30

In this episode, we’re diving into the emotional spiral that happens when a potential client says, “It’s too expensive.” If you’re a Christian entrepreneur who’s ever questioned your price, your worth, or your calling after a sales call, this is for you. I’ll walk you through the mindset shift that brings peace, not panic — and how to anchor your sales in biblical truth. 💬 What’s your biggest fear when someone says no? DM me @christianmoneymindset — I’d love to hear from you. + Explore free resources, coaching and courses → www.funmoneyhabits.com + Book a call → https://tidycal.com/funmoneyhabits/clarity-call + Follow me on instagram → @christianmoneymindset

136 // Why ‘God Will Provide’ Has Become Your Excuse to Play Small

2025-10-1408:56

Have you ever said, “God will provide,” when what you were really doing was avoiding something God asked you to step into—like selling, charging, or looking at your numbers? In this episode, we’ll unpack why so many Christian women confuse faith with avoidance—and how to move from waiting for provision to walking in obedience with God. 🌟 This episode’s highlights include: The subtle ways fear hides behind “spiritual” language like “God will provide” What James 2:17, Proverbs 21:5, and Philippians 4:19 teach about faith in action How to tell the difference between peace and avoidance A powerful client story that shows what happens when you start partnering with God instead of passively waiting The mindset shift from “God will provide” → to “God provides as I obey” If you’re ready to stop playing small and start stewarding your calling with confidence and peace, this episode will help you take that first faithful step. BIBLICAL MONEY MINDSET Let go of the fear and limiting beliefs about money, success and yourself. Are you ready to Transform Your Finances with Faith, Fun and Freedom The Fun Money Habits Universe! Course and 1:1 coaching www.funmoneyhabits.com Work with me to let go of your anxiety and scarcity money mindset and transform your relationship with money with biblical principles - Book a call Instagram @christianmoneymindset It is time to shift your money mindset with biblical principles and have fun managing money so you can earn more without fear, sell your products with confidence, become a better steward and reach your money goals faster while keeping your heart on JESUS.

135 // 3 Biblical Truths to Overcome the Fear of Selling as a Christian Woman Entrepreneur

2025-10-0713:51

Have you ever found yourself hesitating to share your offer—afraid of sounding pushy, greedy, or unsure if anyone can afford it? In this episode, we’ll uncover the three fears that quietly sabotage Christian women in sales and how to overcome each one through biblical truth and mindset renewal. When you understand what’s really happening beneath those fears, you’ll step into your calling with peace and confidence. 🌟 This episode’s highlights include: The hidden lies about money that keep Christian women from selling boldly Why fear of greed often disguises itself as “humility” — and how Scripture reframes it The truth about failure and what it really says about your calling How fear of affordability makes you step into God’s role as Provider A practical, faith-based challenge to renew your mind before your next sales conversation If you’ve ever wondered how to sell without fear and honor God through your business, this episode will remind you that sales can be sacred when your heart is rooted in Scripture. ====== BIBLICAL MONEY MINDSET Let go of the fear and limiting beliefs about money, success and yourself. Are you ready to Transform Your Finances with Faith, Fun and Freedom The Fun Money Habits Universe! Course and 1:1 coaching www.funmoneyhabits.com Work with me to let go of your anxiety and scarcity money mindset and transform your relationship with money with biblical principles - Book a call Instagram @christianmoneymindset It is time to shift your money mindset with biblical principles and have fun managing money so you can earn more without fear, sell your products with confidence, become a better steward and reach your money goals faster while keeping your heart on JESUS.

134 // How to overcome Money Mindset blocks and finish the year strong (Biblical guide for Christian Entrepreneurs)

2025-09-3013:46

Are you heading into Q4 already feeling behind, wondering if you’ll ever reach your goals this year? In this episode, we’ll talk about the hidden money mindset blocks that often surface in Q4—fears that keep you stuck in avoidance, overthinking, or striving instead of moving forward with peace and confidence in Christ. 🌟 This episode’s highlights include: The four most common money mindset blocks Christian women face in Q4. Why these fears run deeper than marketing or time management. A simple biblical practice to reframe your thinking and steward your calling with joy. By the end, you’ll see that Q4 doesn’t have to be a frantic sprint—you can overcome fear, walk in obedience, and finish the year with peace. ====== BIBLICAL MONEY MINDSET Let go of the fear and limiting beliefs about money, success and yourself. Are you ready to Transform Your Finances with Faith, Fun and Freedom The Fun Money Habits Universe! Course and 1:1 coaching www.funmoneyhabits.com 5 Day Uncover your money story challenge HERE Instagram @christianmoneymindset It is time to shift your money mindset with biblical principles and have fun managing money so you can earn more without fear, sell your products with confidence, become a better steward and reach your money goals faster while keeping your heart on JESUS.

133 // How to be ready to Handle Money Wisely in Times of Loss (Finding Peace and Preparation in Crisis)

2025-07-0310:57

Have you ever avoided money conversations, only to feel overwhelmed when life throws you a curveball—like a death in the family or an unexpected crisis? In this episode, we explore why transforming your mindset around money matters far more than just managing a budget—especially when the unexpected happens. When you're grieving, disoriented, or exhausted, financial clarity becomes a gift to yourself and your loved ones. 🌟 This episode's highlights include: A personal story of loss and what it revealed about emotional and financial readiness Real client examples of the chaos that happens when finances are avoided Biblical encouragement and practical steps to prepare wisely and steward well—before you're in a crisis Whether you're married, single, or navigating aging parents, this episode will help you stop avoiding money and start walking in wisdom and peace. ====== BIBLICAL MONEY MINDSET Let go of the fear and limiting beliefs about money, success and yourself. Are you ready to Transform Your Finances with Faith, Fun and Freedom The Fun Money Habits Universe! Course and 1:1 coaching www.funmoneyhabits.com Work with me to let go of your anxiety and scarcity money mindset and transform your relationship with money with biblical principles - Book a call Instagram @christianmoneymindset It is time to shift your money mindset with biblical principles and have fun managing money so you can earn more without fear, sell your products with confidence, become a better steward and reach your money goals faster while keeping your heart on JESUS.

132 // Stop Mixing the Gospel With New Age Money Mindset | Biblical Truth About Wealth and Abundance

2025-06-1213:22

Have you ever felt guilty or anxious about money—even while trying to think positively or speak faith-filled affirmations? This episode uncovers the subtle but serious difference between biblical money mindset and teachings like the prosperity gospel or new-age abundance beliefs. 🌟 This episode’s highlights include: The 3 key differences between new-age prosperity thinking and a biblical view of money Why mixing Scripture with self-focused success messages leads to frustration and shame What it really means to experience peace and purpose with your finances in Christ Whether you’ve unknowingly mixed cultural ideas with God’s truth or just want to deepen your biblical understanding of money—this episode will ground you in grace, clarity, and Christ-centered confidence. 🌟 Start with my free masterclass to reset your mindset HERE ====== BIBLICAL MONEY MINDSET Let go of the fear and limiting beliefs about money, success and yourself. Are you ready to Transform Your Finances with Faith, Fun and Freedom The Fun Money Habits Universe! Course and 1:1 coaching www.funmoneyhabits.com Want to Chat with me to let go of your anxiety and scarcity money mindset and transform your relationship with money with biblical principles - Book a call Instagram @christianmoneymindset It is time to shift your money mindset with biblical principles and have fun managing money so you can earn more without fear, sell your products with confidence, become a better steward and reach your money goals faster while keeping your heart on JESUS.

131 // Faithful in Every Season: Rest, Work, and Stewarding Your Calling

2025-06-0513:30

Is summer a time to pause—or to sow faithfully? Many Christian women slow down in business during this season, but Scripture reminds us that every season can be fruitful when we steward our time, money, and calling with purpose. 🌿 In this episode, you’ll learn: • Why summer feels “slow” (and how that shapes your mindset) • The subtle lie from Ecclesiastes 11:4 that keeps us waiting instead of sowing • The true meaning of biblical faithfulness—it’s not hustle, it’s obedience • Three mindset shifts to help you walk in peace and productivity 🎧 Press play and discover how to honor God through both work and rest this summer. 📖 “Whatever you do, work heartily, as for the Lord and not for men.” — Colossians 3:23 (ESV) 💻 Explore free resources, coaching and courses → www.funmoneyhabits.com Follow me on instagram → @christianmoneymindset ====== BIBLICAL MONEY MINDSET Let go of the fear and limiting beliefs about money, success and yourself. Are you ready to Transform Your Finances with Faith, Fun and Freedom. It is time to shift your money mindset with biblical principles and have fun managing money so you can earn more without fear, sell your products with confidence, become a better steward and reach your money goals faster while keeping your heart on JESUS.

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Christian Money Mindset for Business women by Fun Money Habits