What is your financial attitude?  In order to answer this question, ask yourself if you are a spender or a saver.  Can you resist the temptation to buy the latest gadget or do you come home with more debt every time you visit the mall?  You should also be honest with yourself about your organizational habits.  Do you know where everything is in your office, or are you constantly searching for a past due bill?

There are two main categories when it comes to financial attitudes, the spender and the saver.  If you have a “spender” attitude, you are probably hurting your finances.  Spenders usually purchase the latest, most up-to-date items, rather than save their money.  Sometimes these purchases are made with credit cards, which is even worse.  Spending money that you actually have on non-essential items is sometimes bad, but spending money that you do not have on those same items is dangerous.  In the end “spenders” usually end up with tons of debt, and a lot of junk lying around the house.

“Savers” are the opposite.  Savers like to keep tabs on all of their money, and make sure that it is spent wisely.  These people are usually very organized, and goal oriented.  They tend to have less debt as well.

There is room for a little compromise, it is good to splurge every now and then on something special.  However, you should spend a little time planning your splurge to make sure it is really worth it.

photo source:  jprole