40 Questionable Financial Decisions People Have Made and Shared Online for Us to Learn From

Oh, this next one drives me crazy. A lot of people struggle with this one so much. The first step of financial health is spending less money than you make. Now, if you have some kind of issue, like a sick kid or a huge amount of debt you’re trying to pay off, then it can be really hard to spend less money than you make.

But for most of us, it’s an enormously achievable goal, and if we are struggling to do it, maybe it’s time we took a long hard look at our expenses. Having a budget could be a really good idea in this situation. The point is, even if it’s not fun, you have to make the sensible choice and limit your expenditures.