If you struggle to pay off your credit cards, you're using credit to cover your expenses.
Living paycheck to paycheck without a savings or emergency fund makes it hard to address unforeseen bills.
Late payments, late fees, and using one credit card to pay off another indicate financial difficulty.
If you're always worried about money, you may be living beyond your means and need to alter.
Without a budget or financial plan to manage income and expenses, it's simple to overspend without recognizing it.
If you routinely overdraw your bank accounts to cover expenses, you're living beyond your means.
Not contributing enough to your retirement accounts may indicate that your current expenditure is unsustainable for your future financial well-being.
Overspending on present wants may result from not saving for retirement, education, or a home.