Change is critical if you are to improve.  Some have said:

If you always do what you have done, you will always get what you have always got! (Anonymous)
For whatsoever a man soweth, that shall he also reap. (Galatians 6:7 )

I counter with:

If you continue to spend instead of save, you will continue living from paycheck to paycheck.

If you continue to borrow to support a lifestyle you cannot afford, you will continue to  sink further and further into debt.

If you continue to save and invest wisely, you will likely continue to achieve your personal and family goals.  Despite challenges and setbacks that will inevitably occur, there is peace in knowing we are doing the best we can do—which should be a key personal and family goal.  In other words, some personal and family goals are best measured by our efforts (which we can control), rather than the outcome (which we often cannot control). 

Elder Robert D. Hales said: 

If the example we have received from our parents was not good, it is our responsibility to break the cycle.  Certainly parents will make mistakes in the parenting process, but through humility, faith, prayer, and study, each person can learn a better way and in so doing bless the lives of family members now and teach correct traditions for the generations that follow. The Lord’s promises are sure: “I will instruct thee and teach thee in the way which thou shalt go” (Ps. 32:8). And again: “Whatsoever ye shall ask the Father in my name, which is right, believing that ye shall receive, behold it shall be given unto you” (3 Ne. 18:20). (Robert D. Hales, “How Will Our Children Remember Us? Ensign, Nov. 1993, 10).

We must be willing to change if we are to make progress in becoming better financial stewards.