{"id":27293,"date":"2022-11-24T10:24:00","date_gmt":"2022-11-24T15:24:00","guid":{"rendered":"https:\/\/blog.eztaxreturn.com\/?p=27293"},"modified":"2023-06-05T12:12:18","modified_gmt":"2023-06-05T17:12:18","slug":"5-reasons-why-youre-always-broke","status":"publish","type":"post","link":"https:\/\/staging.eztaxreturn.com\/blog\/5-reasons-why-youre-always-broke\/","title":{"rendered":"5 Reasons Why You\u2019re Always Broke"},"content":{"rendered":"\r\n

A recent survey<\/a> found that 63% of Americans live paycheck to paycheck.\u00a0 If you\u2019re sick and tired of being broke, it\u2019s time to look at why you\u2019re always strapped for cash and what you can do about it.\u00a0 Although making more money may seem like the obvious solution, it won\u2019t do much good if you have the same bad money habits.\u00a0 Here are some common reasons why you\u2019re always broke.<\/p>\r\n\r\n\r\n\r\n

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You\u2019re living beyond your means<\/strong><\/h2>\r\n\r\n\r\n\r\n

What happens when you spend more money than you bring home?\u00a0 That\u2019s right ladies and gentlemen, you end up in the red.\u00a0 Don\u2019t let the fear of missing out put you in a hole that you can\u2019t dig yourself out of.\u00a0 Despite what you see on social media<\/a>, the average Joe cannot afford to eat out every single day or travel at the drop of a dime.\u00a0 Either that person planned ahead and saved their coins or they\u2019re going broke trying to fit in.<\/p>\r\n\r\n\r\n\r\n

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Get Started Now<\/a><\/div>\r\n<\/div>\r\n\r\n\r\n\r\n
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You don\u2019t have any savings<\/strong><\/h2>\r\n\r\n\r\n\r\n

Twenty-five percent of Americans have no emergency savings<\/a>.\u00a0 This is far less than the minimum three months\u2019 worth of expenses that many experts recommend.\u00a0 Saving now will minimize the amount you have to borrow when something unexpected pops up like a flat tire or broken heater.\u00a0 The best thing to do is automate your savings.\u00a0 Simply schedule recurring transfers from your checking to savings account for a specific amount.\u00a0 You can have money transferred weekly, biweekly or monthly depending on how often you get paid.<\/p>\r\n\r\n\r\n\r\n

\u00a0<\/div>\r\n\r\n\r\n\r\n

You need to earn more<\/strong><\/h2>\r\n\r\n\r\n\r\n

If you\u2019ve trimmed your budget down to the bones and still can\u2019t make it work, chances are you just don\u2019t earn enough money.\u00a0 So, look for ways to increase your income.\u00a0 You can get a second job or pick up a side hustle such as tutoring<\/a>, doing makeup for special events, party planning or mowing lawns.\u00a0 There are numerous side hustle ideas floating around the internet, find something that fits your passion and turn it into a small business.<\/p>\r\n\r\n\r\n\r\n

\u00a0<\/div>\r\n\r\n\r\n\r\n

You ignore your credit card debt<\/strong><\/h2>\r\n\r\n\r\n\r\n

According to Bankrate, the average American credit card debt is $5,221.\u00a0 Waving a magic wand isn\u2019t going to make your debt<\/a> disappear and neither is ignoring it.\u00a0 Your debt is just going to continue accumulating late fees and interest until you do something about it.\u00a0 So, take charge today.\u00a0 You can get out of debt by paying more than the minimum, committing windfalls to your debt or following a debt repayment plan like the snowball method.<\/p>\r\n\r\n\r\n\r\n

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You buy things impulsively<\/strong><\/h2>\r\n\r\n\r\n\r\n

A Slickdeals<\/a> poll found that Americans spend $314 per month on impulse buys.\u00a0 That\u2019s $3,768 you\u2019re spending annually on things you probably don\u2019t need.\u00a0 The next time you\u2019re tempted to buy something that wasn\u2019t originally on your shopping list, take a picture of the item then put it back on the shelf.\u00a0 Give yourself 24 hours and if the item is still on your mind, you can go back and get it.\u00a0 Chances are you won\u2019t be heading back to the store though.<\/p>\r\n\r\n\r\n\r\n

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Tax filing made fast and ez. Biggest possible refund, guaranteed.<\/h2>\r\n\r\n\r\n\r\n
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Get Started Now<\/a><\/div>\r\n<\/div>\r\n","protected":false},"excerpt":{"rendered":"

A recent survey found that 63% of Americans live paycheck to paycheck.\u00a0 If you\u2019re sick and tired of being broke, it\u2019s time to look at why you\u2019re always strapped for cash and what you can do about it.\u00a0 Although making more money may seem like the obvious solution, it won\u2019t do much good if you […]<\/p>\n","protected":false},"author":3,"featured_media":27306,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[9],"tags":[],"class_list":["post-27293","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance"],"yoast_head":"\n5 Reasons Why You\u2019re Always Broke<\/title>\n<meta name=\"description\" content=\"If you\u2019re sick of being broke, it\u2019s time to look at why you\u2019re always strapped for cash and what you can do about it.\u00a0\" 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