Perhaps most tellingly, only 36% of all those surveyed expressed confidence in their current money management.

What’s important is what happensafterwe catch our spending creeping up on us.

Your savings may be the first indicator that you are letting your lifestyle expenses creep up on you.

A woman on a calculator

Of course, it feels inevitable that sometimes wewillspend money to get to feel better about ourselves.

A piggy bank and coins

A woman’s empty wallet