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According to CNN Money here are three clues that suggest you’re living beyond your means.
- Your credit score is low.
- Your housing costs eat up more than 30% of your pay cheque.
- You’re not saving any money.
If this does apply to you, they suggest it’s time to start changing your ways by trying to create a budget and comparing that to your monthly pay cheques.
My advice? If you write your incomings and outgoings, see the shortfalls and then re-write a plan that will help you to live better, your present standard of living won’t change unless you actually action the changes you’ve recognised.
Recognise how and where your money is spent
