How To Break 5 Bad Financial  HabitsEveryonehasabadfina...

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How  To  Break  5  Bad  Financial   Habits

Everyone has a bad financial habit. We live in a country that spends billions on advertising to make us want to make purchases;        36      . Remember: even though the habits are hard to break and require great effort, there is payoff.

1. Pay bills when you receive them. Think of all the stress and anxiety that you experience when you put off paying your bills. When you receive the email notice or open the bill in the mail, take care of it. It will only take five minutes, and you won't be flooded with bills at the last minute.

2.     37      . You must have had a hard time controlling the amount of purchases you are making. Minimize this urge by using your ATM card once a week to withdraw the amount of money for the week. Keep your cards at home, and even put your credit cards in a hard to reach place in your closet to keep you from using them.

3. Buy only what you really need. Most of us take shopping trips to buy items we really don't really need. Some claim shopping eases their tension, gets their mind off other things, or gives them much happiness.     38     . Try to replace shopping with some hobbies like riding your bike or taking a walk with friends.

4. Track your expenses. Sometimes restaurants and businesses will charge you the wrong amount, but you won't have the receipt to back up your claim. Other times, you might have inadequate funds for the check you just wrote. Keep your receipts, and spend a few minutes every night to double check your charges, and know the current balance of your bank account.   39   .

5. Check your credit score annually.  40       . If you do notice something wrong, you can send in correction letters, so your applications for credit cards, car loans, or a mortgage(房屋贷款) are approved.

A. Take the time to figure out what makes you buy unnecessary items.

B. Change how you spend your money.

C. It beats getting overcharged or having to pay an overdraft(透支) fee.

D. So if you’re the reason your money never seems to stick around, here are some strategies to help break five bad financial habits.

E. Use cash and not your card.

F. Get in the habit of checking your credit score to make sure there are no errors or inaccuracies.

G. However, if you are looking to make change and break your bad financial habits , use these tips.

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