Humans are creatures of habit, and many of us, the creatures, are in debt.

What habits led us there? How did we fall into a life of anxiety over credit card bills, loan payments, and avoiding calls from debt collectors?

These are following habits that leads you to become rich.

1. Plan and set goals.

The poor simply improvise.

"Ninety-five percent of the poor people in my study had no life plan," wrote Corley. "Without a plan, without long-term goals, we are like leaves in an autumn day, drifting aimlessly."

The conclusion is that you don't have to be rich to make a plan. You need a plan if you want to be rich.

2.Don't overspend.

A 2018 Federal Reserve report found that four out of ten adults couldn't cover an unexpected expense of $400, let alone an emergency fund. The U.S. Bureau of Labor Statistics placed it at 6%, the lowest level since the 2008 financial crisis.

If you barely earn enough money to pay your bills and can't save, the obvious solution is to earn more money. That brings us to the next poverty habit.

3.Create multiple streams of income.

Corley discovered that 65% of wealthy individuals had at least three different income streams established before earning their first million dollars.

"Poor people have one income stream," he wrote. "Their eggs are all in one basket."

Therefore, if you lose your job, encounter a medical emergency, or fall behind on bill payments, it's likely that your sole source of income won't be enough to rescue you.

4.Read and educate yourself.

They read educational and self-improvement books. Corley found that only 8% of low-income individuals read educational or self-improvement books.

"Success requires growth," he wrote. "That growth comes from reading and educating oneself daily."

5.Avoid toxic relationships.

"You're only going to be successful in life if you surround yourself with the right kind of people," he wrote. "That is, encouraging, positive, curious, and helpful individuals."

6.Don't engage in negative self-talk.

Do you say things like, "My job is too demanding," "It's not my fault," or "I'm not smart enough"?

Say that enough, and you'll believe it.

"When you allow negativity to rule your thoughts, you're programming your brain for failure," Corley wrote. "You won't have a shot in life at getting out of your current financial or life circumstances. These negative thoughts will become beliefs that act like computer programs."

7.Live a healthy lifestyle.

If so, you're most likely never going to afford a new sofa.

Earning money requires willpower and effort. So does exercise and eating well. Taking care of your finances and your health go hand in hand.

"Poor health habits create bad luck," Corley wrote. "This is a type of luck that is a byproduct of bad habits, bad behavior, and poor decision-making."

If you have more than a couple of these habits, you likely need help getting out of debt. A nonprofit debt management program is a proven way out.

Certified advisors will work with creditors to lower interest rates and reduce your monthly payments to an affordable level. Additionally, they will teach you budgeting habits that will put you on the path to wealth.

They also understand that being in debt is nothing to be ashamed of. Nobody is perfect, and the key is to have more good habits than bad ones.

"Adopting a rich habit," Corley wrote, "has the effect of eliminating many bad habits."

So, if you're in debt, stop watching so much TV, read more, start making plans, think positively, and find additional income streams.