Financial freedom is one of the things that most people wish for. This is especially true in today’s uncertain times, and many people are wondering if the choices that they have made will matter should there be a financial crisis. Most people don’t have a plan when it comes to their finances, but building one today could impact your life when you need it the most.

Here are some ways to build your financial freedom.

Take responsibility for your actions

According to “Rich Dad Poor Dad” author Robert Kiyosaki (via Addicted 2 Success), every choice that a person makes has its own consequences, and some of these may directly impact one’s wealth. A person must accept complete responsibility to secure his financial future, with the understanding that every choice that one makes today can affect his future.

Talk to your partner about your financial goals

Some people who are in a relationship often have fights about money because they’re not on the same page when it comes to spending and saving. It’s crucial to sit down with your partner to talk about your financial goals. Talk about your financial history, and it’s important to be completely honest about this. After that, you can make a list of expenses, and figure out how much money you need to put away for the future.

Rethink your spending habits

In a consumer-driven world, people are compelled to spend money on things that they don’t need, and this has a negative effect on a lot of people’s financial goals. It is important to track down every expense and to think whether you really need another car or this season’s latest “it” bag.

Understand your spending triggers and do something to curb your behavior. Some people spend money when they’re tired or unhappy, so if this applies to you, try to seek alternative ways to find comfort, such as talking to a loved one. You could also purposely leave behind your credit cards so you won’t be tempted to use them on unnecessary purchases.

Have an emergency fund

Ideally, you should have stashed away enough cash to live on for at least three months. But in today’s uncertain economy, plan on having enough cash for about five months in the bank, so that you’re covered should you get laid off or if you have a medical emergency.

Make saving a priority

Most people tend to pay their bills first, treat themselves next, then take whatever’s left of their money to save in the bank. To build financial freedom, saving money should be the first thing that you do when you receive your paycheck. Aim to save at least 10 percent of what you take home every month.

For more, check out Jobs & Hire’s report on why you should bring a packed lunch to work every day.