{"id":1142,"date":"2024-04-29T04:15:54","date_gmt":"2024-04-29T11:15:54","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=1142"},"modified":"2024-05-05T21:00:51","modified_gmt":"2024-05-06T04:00:51","slug":"8-big-reasons-why-youre-getting-an-f-in-personal-finance-101-2","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id1142-8-big-reasons-why-youre-getting-an-f-in-personal-finance-101-2.html","title":{"rendered":"8 Big Reasons Why You’re Getting an F in Personal Finance 101"},"content":{"rendered":"
\"personal<\/a>

There’s a good reason why many people get an ‘F’ in Personal Finance 101.<\/p><\/div>\n

I remember the time when I saw my son’s mid-term progress report and noticed that he was getting an ‘F’ in one of his classes — Physical Education, to be exact.<\/p>\n

“How in the world does anybody fail phys ed?” I asked the Honeybee, shaking Matthew’s report card in my hand for added emphasis.<\/p>\n

“Beats me, Len. Why don’t you ask him?”<\/p>\n

Genius. Where would I be without the Honeybee? So I marched upstairs and confronted my son.<\/p>\n

“Matthew, why are you getting an ‘F’ in PE?” I said in my calmest possible voice.<\/p>\n

“Beats me, Dad. I don’t think Coach likes me.”<\/p>\n

Of course. The old my-teacher-hates-me-and-that’s-why-I’m-getting-an-F excuse.<\/p>\n

Needless to say Matthew and I had a nice little talk about his grade and I made it perfectly clear that he would not be finishing the year with an ‘F’ in PE. He didn’t, thank God.<\/p>\n

In the game of life, people earn failing grades in Personal Finance 101 too.<\/p>\n

For me, it’s all about mastering my first commandment<\/a> of personal finance: spend less than you earn.<\/p>\n

If you’re always swimming in debt and living paycheck-to-paycheck, then you’re at risk of getting an ‘F’ in Personal Finance 101.<\/p>\n

Here are eight reasons why that’s probably so — along with a little extra credit to help improve your grade:<\/p>\n

1. You don’t have an emergency fund.<\/h3>\n

In life you should expect the unexpected — such as the sudden loss of a job. So the last thing you want is to be caught off-guard, and forced to rely on credit cards or a loan which could get you into deeper financial trouble.<\/p>\n

Extra Credit:<\/strong> Establish an emergency fund of at least three months expenses. Don’t delay; start building it as soon as you get your first pay check.<\/p>\n

2. You don’t know how much money you have in your bank accounts.<\/h3>\n

Overdrawing a checking account by just a few cents could result in lots of expensive bank fees. That’s why it’s important to always know how much money you’ve got in all your accounts.<\/p>\n

Extra Credit:<\/strong> Set your overdraft limit<\/a> to $0 and your debit card will not be allowed to overdraft your account. True, you could bounce a check; but if you’re being a responsible household CFO<\/a> and balancing your checkbook regularly, that shouldn’t be a problem. Also consider using money management software to help manage your finances more closely.<\/p>\n

3. You don’t understand the difference between a want and a need.<\/h3>\n

Being able to distinguish between wants and needs is directly tied to your ability to accept personal responsibility.<\/p>\n

Extra Credit:<\/strong> At the most basic level, all of us have only four or five primary needs. Those needs are food\/water, clothing, shelter, transportation, and health care. Everything else is a want.<\/p>\n

4. You don’t know how much money you spend.<\/h3>\n

It’s simple: What you save is the difference between how much you make and how much you spend — but it’s tough to save anything<\/em><\/strong> if you don’t know how much you can afford<\/em><\/strong> to save. So look at your expenses and determine exactly how much money you’re spending and where it’s going.<\/p>\n

Extra Credit:<\/strong> Audit your expenses by writing down everything you spend your money on for a couple months. The trick is to be as detailed as possible; use a spreadsheet<\/a> to capture even the smallest purchases. Assign categories for your expenditures such as: housing, automobile, groceries, utilities, and entertainment.<\/p>\n

5. Your tastes exceed your spending capability.<\/h3>\n

This isn’t a problem — it’s an excuse. If your tastes starts impacting your ability to save, then you’re in trouble.<\/p>\n

Extra Credit:<\/strong> Ratchet your tastes down a notch or three — and stop making lame excuses.<\/p>\n

6. You can’t say no.<\/h3>\n

Saying “no” is a crucial skill in the world of personal finance. Those who can’t will always have trouble keeping their personal finances on an even keel.<\/p>\n

Extra Credit:<\/strong> Master the art of saying no<\/a>.<\/p>\n

7. You’re an impulse shopper.<\/h3>\n

Impulse buying is a nasty habit that’s cured by careful planning.<\/p>\n

Extra Credit: <\/strong>When buying groceries, make a list<\/a>. Establish and adhere to a household budget<\/a>. And always know exactly how much you plan on spending before walking out the door. In short: Think before you buy.<\/p>\n

8. You worry about what others think about you.<\/h3>\n

People who are highly competitive, or worry about what others think of them, have a predilection for conspicuous consumption<\/a> — otherwise known as the desire to keep up with the Joneses.<\/p>\n

Extra Credit:<\/strong> Forget the Joneses; nobody cares. Besides, they’re probably broke anyway.<\/p>\n

Photo Credit: pdugmore2001<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

I remember the time when I saw my son’s mid-term progress report and noticed that he was getting an ‘F’ in one of his classes — Physical Education, to be exact. “How in the world does anybody fail phys ed?” I asked the Honeybee, shaking Matthew’s report card in my hand for added emphasis. “Beats […]<\/p>\n","protected":false},"author":1,"featured_media":41285,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","pmpro_default_level":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[458],"tags":[],"class_list":{"0":"post-1142","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credit-debt","8":"pmpro-has-access","9":"entry"},"yoast_head":"\n8 Big Reasons Why You're Getting an F in Personal Finance 101<\/title>\n<meta name=\"description\" content=\"There's usually a good explanation why many people get an 'F' in Personal Finance 101. 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