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Problem: Never enough funds to cover needs.
Cause: Not controlling small expenses and "pocket money;" draining the budget for miscellaneous expenses.
Solution: Plan on a weekly allowance. Use it and NO more.
Problem: Not being prepared for occasional expenses.
Cause: Not having a safety pool of funds.
Solution: Set aside funds on a regular, planned basis.
Problem: Late payments.
Cause: Out of balance checking and lack of organization, resulting in "forgotten" payments.
Solution: Establish a bill paying system.
Problem: Never achieving financial security.
Cause: Not saving regularly.
Solution: Make a habit of saving
