10 Signs You Need a Money Makeover

Have your finances got you stressed out? Do you feel like you never have enough money? Here are 10 signs you may need a money makeover, and keep reading to join the free 7-day money makeover challenge! Learn how I paid off my debt, made $278 in a single hour, and continue to grow my income with these simple yet life-changing strategies. - www.theballeronabudget.com Have your finances got you stressed out? Do you feel like you never have enough money? Here are 10 signs you may need a money makeover, and keep reading to join the free 7-day money makeover challenge! Learn how I paid off my debt, made $278 in a single hour, and continue to grow my income with these simple yet life-changing strategies. - www.theballeronabudget.com Have your finances got you stressed out? Do you feel like you never have enough money? Here are 10 signs you may need a money makeover, and keep reading to join the free 7-day money makeover challenge! Learn how I paid off my debt, made $278 in a single hour, and continue to grow my income with these simple yet life-changing strategies. - www.theballeronabudget.com

So you’ve landed your dream job 2 years ago and your boss is the complete opposite of the nightmarish one at your previous job. You’ve settled into a gorgeous and roomy apartment, and you’re driving a brand new car to work every day. Seems like you’re living the life!

Unfortunately, when you go home you realize that there’s not much in the fridge except for old Chinese leftovers, so you’ve got to drag your husband out for an impromptu dinner out in town. Everything is fine until he tells you that your dog Sparky’s vet bill from his recent surgery cost over $800, and on top of the rent going up this month and your piling credit card debt, you might be in a bit of a bind.

You can’t do any more overtime at work because you’re already pulling closing to 10 hours daily and even working on the weekend to meet your work deadlines. Suddenly, it seems like going out for dinner is out of the question.

There are times in life where unexpected events happen and rainy day funds become important to make it through rough times. But what if you haven’t saved up enough? Coupled with any existing debts, work-related exhaustion and crushed dreams of traveling this year, it can be hard to dig yourself out of the financial hole that many people find themselves in. Here are 10 signs that you need a money makeover, and continue reading: I have a free 7-day money makeover challenge that will change not just your financial situation, but your life as well.

#1: You feel like you’re working too much

Feel like you’re pulling extra shifts and overtime hours? There’s got to be a reason for your motivation to work harder than usual. If you’re not doing anything with your extra money, there might be a problem.

#2: You don’t know where your money is going

It’s a common issue that many people make decent money but have no idea why they are “broke” towards the end of the month. If you’re comfortably able to pay for all of your basic necessities and are perpetually broke, where is your money going?

#3: You feel suffocated with your budget

Does it seem frustrating that your lack of money won’t allow for a casual date to the movies or a casual dinner out when you don’t feel like cooking? If you can’t afford to go out every once in a while, you might have a serious problem with your budget.

#4: Arguments about money are common in your household

A lot of spousal and familial arguments stem from financial problems, but fortunately, this can be avoided with the proper budgeting plan and a mature conversation about implementing it within the household.

#5: You can’t spend without feeling guilty

Ever needed a haircut after years from your last one, but still felt guilty? If you find yourself feeling this sort of guilt from seemingly innocent purchases like these, your subconscious may be telling you that there is indeed something that needs to be addressed.

#6: You are late on making payments

If you’re struggling to keep up with making payments on credit cards or loans in a timely manner, something is definitely up. The hardest part of admitting you have a financial problem is admitting that you have one and addressing it, and many people tend to avoid confronting this.

#7: Your credit card balances and interest continue to go up

Are you chipping away at your debt but feel like your interest is going up, causing your loan balances to rise every month? You may not be making enough money to pay down your debt in an effective timeframe before interest hits your existing balances.

#8: You’re barely making the minimum payments on your loans

This piggybacks on #7, as it’s also the cause: paying only the minimum required amount on your existing loan balances can cause your interest and loan balances to skyrocket, which will extend the time it takes to pay off these debts as a result.

#9: Your savings account is abysmal

Do you have a savings plan in action? You may not be the only one. Many Americans tend to avoid planning for the future and retirement, both of which are things to consider when earning an income. If you haven’t yet implemented a savings plan, you could be jeopardizing your own future.

#10: You aren’t accomplishing any of your financial goals

Do you see others pass you by in life by going on vacations to destinations you’ve always dreamed of? When you bought your home, did you settle for less than what you wanted because of your budget?

If you’ve said yes to even one of the above scenarios, you are in definite need of a money makeover. It does not require hard work to obtain a decent-paying job, but the main issue with most people is learning how to distribute their budgets across all financial goals and using their money wisely.

Being in a financial crisis can be a very stressful time in one’s life, but facing the problem and taking control will yield far better results than living in denial while watching your financial situation spiral out of control.

If you’ve said yes to any of the above, then don’t fret – I’ve got a free 7-day money makeover challenge for you. In this challenge you will learn how to:

  • Control your spending habits without guilt
  • Create a budgeting plan
  • Create a debt payoff plan within any budget
  • Scrape up cash fast to boost your budgeting plan
  • Turn your hobby into a money-making side hustle
  • Live within your means (and be happy!)
  • Live without feeling “left behind” from the Joneses

In truth, budgeting is a very simple thing to do – just like with any physical workout, it truly is mind over matter. Some may not know where to start, and others may just need a push in the right direction. Sign up below so that we can work together for 7 days to climb out of your debt and achieve financial freedom. I will be your cheerleader!

I was wearing:

Vintage Cat Eye Sunglasses: $6.98 (1 2)

White Graphic T-Shirt: $8.00 – Shop similar (1 2 3)

Black Distressed Jeans: $29.90 – Shop Similar (1 2 3)

Genuine Leather Shoulder Bag: $39.99
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