1. Overspending (Without realizing it)Without a budget, your money can disappear faster than candy on Halloween night. You may think you are on track with your spending, but without tracking, impulse buys and forgotten subscriptions can creep up on you before you know it!TIP: Track your spending weekly! Read more here: Budgeting Tips and Best Practices for Money Management | FGB2. Bills That Drain Your PaycheckLate fees, overdraft charges, and missed payments are the vampires of your finances. They can drain your hard-earned cash with every bite.FGB's Personal Finance Manager in Online Banking automatically categorizes & tracks spending from all your accounts.3. The Tangled Web of Credit Card DebtWithout a plan, credit card balances can spiral into a sticky web of interest and minimum payments. You might feel trapped, unable to escape.TIP: Follow the 7-day rule when shopping. Walk away from impulse purchases and revisit them later. If it still haunts you (and you can afford it), then consider buying.4. Zombie Goals That Never Come to LifeDreams of vacations, homeownership, or retirement can become lifeless if you don’t budget for them. Without a savings plan, your goals wander aimlessly and are always out of reach.If you’re an FGB Customer, visit the Goals tab in Online Banking. It can help take the guesswork out of saving and lets you transfer specific amounts into categorized Goals accounts. Click here to learn more!5. Skeleton SavingsAn emergency fund is your financial armor but without budgeting, it’s often bare bones. Life throws curveballs, and without savings, even small surprises can become financial nigh
