If you meet even just one of these ten signs, consider using a budget as a way to change your spending habits for the better.

  1. You are living beyond your means and your spending is out of control.
  2. You pay for your groceries on credit card.
  3. You fear opening the mail.
  4. Your mobile phone is constantly being suspended for late payment of the bill.
  5. You are only paying of the minimum interest payment on your credit cards, not the principle debt owing.
  6. You don’t have any cash savings.
  7. You have store credit cards for the major retailers.
  8. You do not know how much you and your partner earn.
  9. You don’t read your credit card statement, just pay the minimum via direct debit.
  10. The last couple of days before pay day you are always searching the house for loose change.