Breaking Bad Financial Habits: Money Matters

While some say money is the root of all evil, it’s hard to pay your bills without it. However, many of us have terrible spending habits, and these are only exacerbated by retirement. When you’re on a fixed income, it’s very important that you make wise financial decisions. Here are a few bad habits you need to break when it comes to your money.

Breaking Bad Habits

Credit Cards

Let’s start with those credit cards. Are you carrying four or five cards with balances from month-to-month? If so, they’re eating you up with fees. You need to make sure to not spend money you don’t have: stop the bleeding right away. Cut yourself off from all of your credit cards and start paying off the highest-interest one you have.

Zero in on your cards in a priority of highest-interest to lowest-interest. Throw every spare penny at the highest-interest card until its balance is zero. Then, do this to the next card. Repeat the process until you’re out from under your debts. Use your savings to pay these off if you have to: the sooner you get these balances down, the better, as the fees will bleed you dry.

Not Talking about Finances

Often one of the hardest bad habits to break is simply not talking about finances or retirement. Many people feel like talking about their finances is rude or improper, or they’ll sooner talk to amateurs instead of financial experts. While your friends might be smart people, unless they’re financial professionals, you might want to take their retirement advice with a grain of salt.

Operating in the Dark

While being uninformed about retirement isn’t uncommon, that doesn’t mean you should be content having no idea what the best financial strategy is. Retirement and finances are both complex topics that require a lot of critical thinking and smart investment. If you’re operating in the dark on these topics, you’re making things harder on yourself for literally no reason.

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