5. You Dont Have an Emergency Fund
Experts say you need at least six months of income saved in case of an emergency. Life is tricky, and not having some type of safety net can turn a comfortable situation into a disaster。
6. You Started Late
Time is slipping by. Just like starting an exercise routine, the most difficult part about saving is getting started. Even if you have debt, a small income, or many expenses, you can save something, even if its only a small amount。
7. You Complain Rather Than Commit
I dont earn enough money Life is too expensive Its hopeless, Ill never get out of debt。 Have you uttered any of these statements before, or perhaps all of them? Old habits die hard; however, as long as you do nothing to change, nothing will change. Stop complaining and making excuses. Instead, take responsibility for your non-productive habits and concentrate on how to change them and then do it!
8. You Live for Today, and Forget About Tomorrow
Its no fun getting serious and thinking about retirement and all that stuff. Nonetheless, eventually it has to be done. The problem is that impulsive and unregulated spending leads to debt period! Do yourself a big favor: Get rid of the buy now, worry later attitude, and switch to a save now, get rich later way of thinking。
9. Putting All Your Eggs in One Basket
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