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Even responsible people with household budgets can slip up. The following are easy-to-overlook 10 financial habits that can lead to financial ruin.


No Emergency Fund
Everyone should have at least a few months' worth of living expenses in an easily accessible, highly liquid account. With no emergency fund, a person faced with unexpected expenses may be forced to sell long-term investments such as a mutual fund that is currently down. Instead of waiting for the fund to rebound, the person is forced to sell at the absolutely worst possible time and eat the loss. Worse, if there are no such assets, the only option may be personal loans with exorbitant interest rates.

Minimum monthly payments on most cards are so low, they barely cover the interest and fees accrued. This is deliberate. The low minimum payments ensure the debt stays virtually intact year after year, earning the credit card company profit as long as possible.


Too Many Credit Cards

Having one or two credit cards is all but necessary to function in modern society, but four or more cards is trouble. Too many open lines of credit hurt your credit score, as it means you could theoretically rack up huge debt at the snap of your fingers. Multiple cards, especially with different due dates, make it much easier to miss a payment and get hit with penalty fees. Every credit card is a potential gold mine for an identity thief. Multiple cards are harder to keep an eye on when suspicious charges start to appear.

भिडियो हेर्नलाई तलको बिज्ञापन हटाउनुहोस