1. You eat junk food and spend alot of money on snacks.
2. You buy too much food and throw out the extra food that gets spoiled.
3. You purchase gifts for a special holiday or party.
4. Your car breaks down and you have to get it repaired.
5. You eat out at a fast food restaurant and spend too much money on food.
6. You do your shopping at the convenience store instead of the grocery store.
7. You buy only name-brand products instead of generic or store brand items.
8. A family member loses a job.
9. A family member is hospitalized for illness and you have to pay the medical bills
10. You have debt (such as a credit card debt or a loan) that you have to pay back each month.
11. Your family needs money and you give them a loan.
