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                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; padding-top: 0; text-align: left !important">
                   Hi there,
                  </p>
                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; text-align: left !important">
                   Let’s imagine you build the habits we’ve talked about the last few days. You check your budget before you spend, and you wait a bit on new ideas to see how they really impact your budget.
                  </p>
                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; text-align: left !important">
                   Both of these habits rely on your budget being a good representation of your goals and your priorities. So the next habit you build needs to make sure that’s true.
                  </p>
                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; text-align: left !important">
                   Your next habit:
                   <b>
                    Regularly review and adjust.
                   </b>
                  </p>
                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; text-align: left !important">
                   Budgeting is no different than any other activity. It’s easy to fall into patterns or ruts. You know,
                   <i>
                    bad habits
                   </i>
                   . Maybe you just budget the same amounts each month without thinking about them. Maybe you set goals, but never stop to check on whether the progress you’re making is fast enough. In the meantime, lots of things have changed in your life.
                  </p>
                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; text-align: left !important">
                   The antidote – the habit that keeps your budget fresh and relevant – is to regularly review and adjust your budget.
                  </p>
                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; text-align: left !important">
                   To be clear, I’m not talking here about the small adjustments that happen all the time to correct overspending, or to move a little extra money to groceries. That’s a top-notch habit, too, but this one is bigger. I’m talking about sitting down once a month and looking at the big picture.
                  </p>
                  <ul style="list-style-type: disc; margin: 0 0 20px 40px; padding: 0">
                   <li>
                    Have you had any significant changes in income or expenses?
                   </li>
                   <li>
                    Have you set some sort of goal outside your budget that needs to be represented inside it?
                   </li>
                   <li>
                    Do you notice spending patterns that don’t really reflect your priorities for your money, for yourself?
                   </li>
                  </ul>
                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; text-align: left !important">
                   Don’t stop there – you might have other really important questions. The important thing is that you ask them – that you
                   <i>
                    make a habit of asking them –
                   </i>
                   and that you make adjustments based on the answers.
                  </p>
                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; text-align: left !important">
                   So today, pick a trigger that works for you. Your next paycheck.
                   <a style="color: #1251ba" target="_blank">
                    Your next budget date
                   </a>
                   . The next change in season. Whenever. But pick a time,
                   <a style="color: #1251ba" target="_blank">
                    adjust your budget
                   </a>
                   , and make a habit of it.
                  </p>
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