This may be a bit outdated, but the budget is essential. "There is no good reason not to budget and track expenditures." You know, even if there is a budget, there is still the possibility of missing money. "Be aware that some fees, such as unused gym members, can lead to high termination fees." Another potential trap is that you need to try out the credit card information for free. Make sure these don't turn into unwanted paid subscriptions.

A budget can prevent you from going too far off track. If you review your expenses regularly, you will find that some things may be a practical problem, not just once. Keep a consistent tracking habit. If your bank deposit falls instead of rising at the end of this month, you will know that this is a problem.

You don't have a list when you shop.

Impulse shopping is just a way of shopping that people don't think about. People who don't consider buying plans will get into financial trouble. When it comes to basic and regular services such as mobile phone, Internet and cable TV, you need to compare prices and find deals.

Make a list and do your due diligence to ensure that your expenses will not exceed your needs, and may exceed your actual expenses-whether it is buying a suit or a monthly service fee. Check consumer reports and comparison websites, or discuss decisions with knowledgeable friends who have done research.

You use a credit card every day.

If credit card debt starts to increase, you may want to see how you can use this card again. Don't accumulate debts on daily expenses. Insist on using debit cards to pay for groceries, gas money, daily shopping, etc. The money comes directly from your savings account, so you must limit your spending. You will not be charged any interest or late fees. "Try to leave your credit card at home to resist the temptation to swipe your card quickly or shop with cash." "It will soon be clear where you can avoid overspending."

Your financial situation is a taboo topic.

Although keeping silent on financial issues is not necessarily a bad habit, it may hurt you rather than help you. To become financially confident and achieve your goals, you must be willing to learn-which means learning from your mistakes. "Read books and articles and talk to a financial advisor who can guide you in the right direction." "Your money is too important to mention."

5. You are dizzy.

You have forgotten your financial situation. You don't know your credit score. You don't know all the benefits of your company. If your company provides a pension and you don't participate, you will deny that you want to retire one day, but you don't have enough savings. Or you save through a pension, but you don't have enough savings to match the company. Does your company provide a health savings plan with high deduction for health insurance? If so, it is wise to use it. "If you don't make full use of the benefits provided by the company, it's like putting money on the table."