Are you paralyzed by fear of an impoverished retirement? "Two-thirds of women will end up living in poverty as seniors," according to Kingsbury. "Stop buying Coach bags and Gucci accessories and start investing that money."
Unless you are actively funding your retirement and savings accounts, you should probably not be upgrading your gadgets. "Ask yourself if you really need the upgrade," says Alan Haft, investment advisor with Kings Point Capital in Irvine, California, and author of You Can Never Be Too Rich. "Saving a little money over a long-term horizon will do wonders for your retirement."
You don't need a huge amount of capital to work with a financial advisor. "It's liberating to have someone help organize all of your finances, tell you where you stand today and what you need to do to get where you want to be," says Gelasia Steed, certified financial planner with Steed Investments in Fort Worth, Texas.
Are you afraid to open your statements or bills? A member of the Smart Cookies, a nationally recognized group of five women brought together by past financial failures, used to hide her bills in the microwave. An unwillingness to face your financial reality should be a serious gut-check.
Do you even know your credit score? Theresa Reitz, author of The Money Tree: A Financial Book for Children, says, "Anything below 650 is out of the 'good' range and suggests you need a makeover of your finances."
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