Money Matters: 11 Signs That Your Bank Account Needs a Boost

Have you ever wondered how you’ll know if you have enough money? Do you already know you don’t have enough money? If you aren’t sure whether you have enough money or not, here are 11 signs you don’t have enough money.
Using Your Credit Card to Pay Expenses

There’s nothing wrong with using your credit card to pay your expenses if you can pay it off at the end of the month. That’s a great way to earn cash back, travel points, and rewards. However, if you are using your credit card for essentials and expenses because you don’t have the funds any other way it’s a problem, and it can get out of control quickly.
Not Having an Emergency Fund

If you don’t have an emergency fund for unexpected expenses, or you had one, spent it, and can’t build it back up you don’t have enough money. Emergency expenses will crop up again and you want to do your best to prepare for them. Most financial experts recommend having 6 months to a year’s worth of expenses in your emergency fund.
Nothing Left to Trim

If you sit down to look at your budget to see where you might be able to trim expenses and realize that you are already down to the essentials you need more money coming in. Living with no wiggle room at all is just not sustainable for forever.
Struggling to Make Ends Meet at the Beginning of the Month

It’s common for people to have trouble making ends meet at the end of the month. If you are already having trouble keeping your finances in order at the beginning of the month you need to bring in more income.
Your Paycheck is Spent Before You Get It

If every dollar of your paycheck is allocated to your bills or essentials before you get it you don’t have enough money. Consider starting a side hustle to see if you can provide yourself with some breathing room.
Making Minimum Payments

Credit card issuers set minimum payments to equal 1 to 2 percent of the balance…typically just slightly more than the interest charged. At that rate, it can take 7 to 10 years to pay off the credit card with interest costing more than the original purchase.
If you can only make the minimum payments on your debts, it’s likely you aren’t making enough money. Being able to pay the minimum is better than not paying at all, but you will never be able to get out of debt this way.
You Don’t Have a Budget

Without having a budget it is quite easy for money to slip through the cracks.
Having a budget to track your incoming and outgoing finances can be quite helpful. You might find ways to improve your bottom line to make life easier.
You’re Always Worried About Money

If you are constantly worried about money and how you are going to pay the bills and keep food on the table, you aren’t bringing in enough money. It’s not good for your mental health to be constantly stressed out about money.
You Pick and Choose Which Bills to Pay

If you have to pick and choose which bills to pay and which bills can wait every month then you don’t have enough money coming in. Take a close look at your bills and see if there is anywhere you can save by doing simple things like downgrading your phone plan.
You Haven’t Started Planning For Retirement

If you haven’t started putting money to the side and investing for retirement, you don’t have enough money coming in. It’s easy to think that you can start saving for retirement later, but the years fly by a lot faster than you think.
No Savings Account

If you don’t have a savings account and/or you aren’t making regular deposits into it, you don’t have enough income. A savings account differs from your emergency fund and can be used for vacations, down payments, and unexpected expenses.
13 Unique Savings Hacks To Stretch Any Budget

Looking for some unique ways that can save you even more money? Then you are in the right place; here are some unique money-saving hacks that you may not have tried or even heard of before.