More days of work already complicates the herculean task of juggling work and family, you probably do not have time to spare. Granted, it’s not only the time in the way. Many financial projects can seem overwhelming because of the multitude of choices (including investment is the best among the thousands available? Which credit card? Which cable provider?).

Studies show that when people are presented with too many options, they become paralyzed, a phenomenon known in the circles of the social sciences as the paradox of choice. Carnegie Mellon economist George Loewenstein, who studies consumer behavior, says people do nothing because they fear the wrong things. But as Baltimore financial planner Tim Maurer commented, “Inaction is a decision. And usually not a good”.

Fortunately, you no longer than a coffee break, lunch or a Saturday morning at a number good things with your money – moves that can control your spending, increase savings to reduce and protect your family’s finances. “The key to meeting the long-term goals is to break into the short-term measures that are easier to achieve,” says Loewenstein.