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  • You don’t have a savings account for emergencies

  • You keep putting off paying off your credit card debt

  • You go grocery shopping when you’re hungry

  • You enjoy frequent shopping for retail therapy

  • You don’t maintain an allowance for fun spending

  • You don’t define the difference between want vs. need

  • You never read fine print

  • You’re always trying to keep up with trends and fashions

  • You’d consider going into debt for a wedding

  • You prefer to buy a meal instead of preparing it

  • You haven’t made a plan before taking out a student loan

  • You don’t think you need to have a budget

  • You haven’t been paying attention to your credit score

  • You buy items based on the price and not the quality

  • You spend more than you make

  • You want to get a larger house and mortgage than you need

  • You are dependent on one source of income

  • You’re not saving for retirement

  • You replace things that aren’t broken

  • You’re not paying attention to your debt to income ratio

From: LifeHack.org

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