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Identifying your problems and making the decision to change can be the hardest step on your way to making a better financial future. This first step involves asking yourself hard questions. Do you spend recklessly? Do you make payments late? Do you take credit card advances in order to make a payment on another card? All of these behaviors can be signs of poor financial habits that can become serious problems if left unchecked.
But identifying bad habits is often the most difficult step. Knowing your problems and making the decision to correct them is a large part of the battle.