Signs You’re Cutting It Too Close

According to polls, 70% of Americans overspend during the holidays! Does that describe you? Here are twelve signs that you’re cutting it too close.You are juggling bills.You pay at least one overdraft fee per month.You don’t pay off your credit card balance in full.Your savings rate is below five percent.You spend your paycheck immediately.You pay the minimums on debt.You ask people to hold onto a check until payday.You aren’t contributing to your retirement plan.You apply for new credit cards because the old ones are maxed out.You have anxiety when there is a sudden emergency expense.You borrow money from family or friends or rely on payday loans.You have little to no extra money at the end of the month. If any of these describe you and you don’t like the stress of living paycheck to paycheck, I recommend reading and following Dave Ramsey’s Total Money Makeover.Also, the most crucial financial tool for reducing financial stress is the emergency fund. If you don’t have one already, I highly recommend working as diligently as possible to fund one. Good luck!