You Know You Have Money Problems When...

1. You worry about your next paycheck or source of income.
It's amazing that 65% of Americans are living paycheck to paycheck. If the next paycheck didn't come in, most people would be in serious trouble. If you're one of these people, chances are you have quite a few bills to pay, mouths to feed, and very little in savings. It's not anything you did really that wrong with your personal finance, it's just what you didn't do right.

In order to prevent dire future financial troubles, you need to start saving money. You might say that sounds all well in good, but the money is just not there. It's very important to have extra money saved up for emergencies, get a second job or sell some "stuff." You'll be glad you did if for some reason you were to find your self without a job.

2. You move debt around from various cards.
People who are in deep financial trouble seem to grow in debt quite quickly. They start out with just a few credit cards, but then they want their money, and you just don't have it, so you start to shuffle balances between cards. You should never repay debt by taking on more debt, it will only get you stuck in a world of payments, do whatever you can to avoid this! Take on an extra job or sell some stuff, this is not a cycle you want to get stuck in.

3. You have "the feeling" when you spend money.
If you go into a store and buy some groceries, gasoline, or something that you need, not anything lavish or wasteful, just daily living expenses, and you don't feel good about it, because there might not be enough money, there are problems. There should always be enough money around to pay for these things, in fact these are the first things you should do financially. Buy food, pay the utility bill, pay rent or your mortgage, and keep your car running for you do anything else, even pay on a credit card!