{"id":23958,"date":"2024-09-17T04:15:53","date_gmt":"2024-09-17T11:15:53","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=23958"},"modified":"2025-02-28T09:30:42","modified_gmt":"2025-02-28T17:30:42","slug":"33-reasons-why-your-finances-are-a-complete-mess-2","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id23958-33-reasons-why-your-finances-are-a-complete-mess-2.html","title":{"rendered":"Personal Finance Bad Habits: The 33 Biggest Ones to Avoid"},"content":{"rendered":"
\"personal

The odds are that the proud owner of this bedroom also has more than a few personal finance bad habits.<\/p><\/div>\n

I’m a total neat freak. Always have been.<\/p>\n

Truth be told, the Honeybee is a neat freak too. I think that’s a big reason why we get along so well<\/a>.<\/p>\n

Oddly enough, our teenage kids are the exact opposite. They’re allergic to neat.<\/p>\n

The other day I walked in Matthew’s “empty” bedroom and it looked like a bomb had gone off. There were so many clothes, school papers, books and other pieces of assorted detritus scattered on his floor that I couldn’t see the carpet.<\/p>\n

Then I entered Nina’s room. Hers was no better; flotsam and jetsam everywhere. At least she was there, sitting at her desk and doing her homework.<\/p>\n

“Clean up your room right now, young lady!” I commanded. “And when your brother gets home you can bet he’ll be cleaning his pig sty too!”<\/p>\n

“Okay, okay, Dad! Sheesh!” my daughter whined. “Oh, and Matthew is<\/em> home.”<\/p>\n

That was news to me. “Really? Where is he?”<\/p>\n

“In his room.”<\/p>\n

Huh?<\/p>\n

Sure enough. A second check revealed my son to be sleeping in his bed, buried under a few t-shirts, a bath towel, a couple pairs of old sweatpants, five dirty socks, a pop quiz from history class, one silver Sharpee, a bag of half-eaten Fritos, an empty can of Coke<\/a>, and 66 cents worth of loose change. Snug as a bug in a rug.<\/p>\n

Sheesh.<\/p>\n

Then again, if you think that’s bad, you should know that there are a lot of folks out there who make an even bigger mess of their personal finances. It’s true. Lots of people are plagued by personal finance bad habits too.<\/p>\n

Hopefully, your<\/em><\/strong> finances aren’t as messy as my kids’ bedrooms. If they are, however, here are 33 reasons why that’s probably so:<\/p>\n

    \n
  1. You spend more than you earn every month.<\/li>\n
  2. You’re too busy to track your income and expenses.<\/li>\n
  3. You always have a large wad of cash in your wallet — especially if …<\/li>\n
  4. … You’re an impulsive shopper.<\/li>\n
  5. You continually overpay for insurance<\/a>. One example: paying higher auto insurance premiums for low deductibles even though you rarely make claims.<\/li>\n
  6. You hate the idea of paying your bills online.<\/li>\n
  7. You play the lottery.<\/li>\n
  8. You use those credit card convenience checks that you find in your mailbox.<\/li>\n
  9. You never read the fine print before signing on the dotted line.<\/li>\n
  10. You don’t eat a lot of home-cooked meals. Get into the habit by planning your dinner menus<\/a> in advance.<\/li>\n
  11. You spend more than you earn every month.<\/li>\n
  12. You rarely review your credit card statements<\/a> for erroneous charges.<\/li>\n
  13. You think budgets are for people who can’t manage their finances.<\/li>\n
  14. You have a budget — but you never follow it.<\/li>\n
  15. You’re too embarrassed to use coupons, and too lazy to look for Internet promotional codes.<\/li>\n
  16. You’re disorganized<\/a>.<\/li>\n
  17. You use your credit cards even though you can’t pay them off in full at the end of the month.<\/li>\n
  18. You’ve got too many well-meaning friends who loan you money<\/a>.<\/li>\n
  19. You spend more than you earn every month.<\/li>\n
  20. You’re counting on a big inheritance to drop in your lap and save the day.<\/li>\n
  21. You prefer making the minimum credit card payments each month.<\/li>\n
  22. You don’t think twice about using payday loans to cover financial shortfalls.<\/li>\n
  23. You buy new cars — and then sell them every few years. Unless you plan on holding it for at least ten years, buying a new car makes little sense<\/a>.<\/li>\n
  24. You smoke<\/a>.<\/li>\n
  25. You never check your credit report for errors, signs of fraud and identity theft.<\/li>\n
  26. You hate comparison shopping.<\/li>\n
  27. You routinely float checks right before payday.<\/li>\n
  28. You think emergency funds are for worrywarts.<\/li>\n
  29. You’re not very good about paying the bills on time — probably because …<\/li>\n
  30. … You stuff your unopened bills in a drawer as soon as you get them.<\/li>\n
  31. You think it’s important to keep up with the Joneses.<\/li>\n
  32. You don’t run your household like a business<\/a>. And last, but not least …<\/li>\n
  33. You spend more than you earn every month. (Did you really think I was going to forget the biggest personal finance bad habit of them all?)<\/li>\n<\/ol>\n

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

    I’m a total neat freak. Always have been. Truth be told, the Honeybee is a neat freak too. I think that’s a big reason why we get along so well. Oddly enough, our teenage kids are the exact opposite. They’re allergic to neat. The other day I walked in Matthew’s “empty” bedroom and it looked […]<\/p>\n","protected":false},"author":1,"featured_media":43639,"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-23958","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":"\nPersonal Finance Bad Habits: The 33 Biggest Ones to Avoid<\/title>\n<meta name=\"description\" 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