Being in your thirties means you should feel more financially secure. But if you’re still finding yourself living paycheck to paycheck, then you’re reading the right article.

There are many factors to not feeling financially stable: a bad job, an unstable employment climate, insufficient income, etc. Then there’s habit.

Habits can make or break you, and if you have terrible money management activities and beliefs, there’s no doubt it’s going to be the latter.

“We first make our habits, and then our habits make us.”
John Dryden

But what could these habits be?

Here are 8 of them that could be ruining your financial stability:

  1. Not Creating a Budget
    If you haven’t made a budget yet, you’re definitely on a road toward financial disaster. Budgeting allows you to properly manage your income and expenses, helps you to understand your spending habits, lets you prioritise needs over wants, and even …