Are you earning enough but can’t seem to stretch your money to survive? Do you always find yourself making excuses for not saving money? If your answer is yes, then you might have some financial issues.
Stefanie O’Connell, a financial advisor for millennials and author of “The Broke and Beautiful Life,” explains the ways of a person who is not good with money. Read up to know if you’re one of them.
1. You most of the time pay your fees late.
If having late fees, missing a credit card payment, and over-drafting your bank account is part of your norm, then you have a problem.
2. You don’t monitor your spending.
Stefanie O’Connell said:
“A lot of people don’t know where their money is going. They don’t know how they’re actually spending. They don’t know the actual balances in their checking and savings accounts. They don’t know the balances on their credit cards. And they don’t know their net worth.”
3. You always make excuses regarding your financial issues.
Eric Roberge, a financial planner and founder of Beyond Your Hammock said that one major sign that you’re not good with money is when you don’t see that there is something wrong with your financial situation.
4. You’re finding a way out of your money troubles rather than fixing them.
5. You don’t have a back-up fund.
People who are good with money think about the future. They would make sure not to allow themselves to fall into a routine of living paycheck to paycheck.
6. When you can’t seem to finally pay off your debts.
Jennifer Lane, a financial planner at Compass Planning Associates, said:
“Credit card debt that you can’t get rid of is a clear sign of money challenges.”
7. You don’t like talking about money.
If these sound familiar to you, you likely aren’t managing your money as well as you could be.
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