Poor spending habits can easily lead to debt for many people in New Jersey. Identifying bad habits is the first step to changing your behavior and fixing your finances once and for all. The following are a few examples of spending habits you must change if you want to avoid financial instability.
AARP cautions against letting late fees pile up regarding credit card payments. You can avoid these late fees by implementing automatic payments through your bank, for both credit cards as well as other recurring bills. That way you won’t need to worry about remembering to make payments each month, which can be difficult when you have numerous bills to pay.