Years ago, I went through a period where I had a lot of debt. It's a long story, but suffice it to say that I had to get creative. I now have no debt, due in large part to getting a nice windfall. It's nice to not have to worry about owing money (and I understand that I'm lucky, because some people assuredly are not). The experience did teach me to be mindful of what goes in and out of my wallet and to watch my expenses like a hawk. I'm happy to say that these habits have served me very well.

There are some behaviors that can really tell you a fair amount about other people's financial literacy, however. That's what we learned after Redditor Romeo9594 asked the online community,

"What common behavior screams, 'I make terrible financial decisions'?"

"I have a coworker..."

"Buying the latest everything. I have a coworker who struggles to pay rent and such but buys a new iPhone every time they release a new model."

Strokedoutbear

That definitely adds up.

Probably doesn't help that Apple got into trouble for slowing down older iPhone models either.

"I know a woman..."

"Relying on pawn shops every time you're low on cash. I knew a woman who regularly pawned some jewelry, then got it out on payday, only to pawn it again a few weeks later."

Tacoma_Crow

"I had a coworker..."

"People who eat out for every meal. I had a coworker who did this, but then complained about never having any money. She'd eat out for breakfast and lunch and go down to the Walgreens for a midday snack."

brotum28

I get it––cooking can be a total chore. Cooking for myself? I'm good at it, but it gets annoying. Cooking for other people? I enjoy it. It can be very fun.

"Credit card debt. If you don't or won't have the cash by the next bill you cannot afford it, don't buy it. Stop renting money at 18%."

FOOFIGHTER

"I think Starbucks..."

"I think Starbucks is delicious but it should be treated as a weekly treat, not a daily/multiple times a day indulgence."

mmmpistolwhip

Is it even really that good though? It always tastes burnt to me.

"People that look at income..."

"People that look at income by salary. You should always look at income by disposable income because you can be earning 80k in NYC and have less money compared to someone earning 15k somewhere else."

GigaGeeka

"Frequently ordering..."

"Frequently ordering to-go, delivery, restaurant food etc. when you don't have basic grocery staples in your kitchen (especially if you're already working from home)."

rinyamaokaofficial

"Rolling car payments..."

"Rolling car payments into your next car. I can't count how many people I know who traded in perfectly functioning cars they still owed money on because they "needed something newer" or "outgrew their current car." I know someone who was paying $900/month for a Hyundai Tucson that was listed for like $25k. It ended up getting repo'ed."

wickerottoman

"Sticking with something..."

"Sticking with something like cable that costs $250 a month when you don't use all the things you're paying for and could easily reduce your costs."

AltUniverse1

Cable is a money pit. You know what will go down the same path? Streaming services. They're practically the same now.

"I knew a guy..."

"Those predatory car loan places. I knew a guy who was paying almost $500 a month for a Pontiac Grand Prix. He didn't seem to know how much he was paying. Like dude, you could literally lease a Benz for that much."

Vikingwithguns

Do you feel personally attacked by some of these? I definitely saw myself in some (looking at you, takeout cuisine). Don't fret: there's still time to turn yourself around.

Have some opinions of your own? Feel free to tell us about them in the comments below!

Want to "know" more? Never miss another big, odd, funny, or heartbreaking moment again. Sign up for the Knowable newsletter here.

People Break Down Which Things About The Early Days Of The Internet Most Folks Have Forgotten
Photo by Ugi K. on Unsplash

Oh the beginning of the interwebs.

We really thought it wouldn't be much of a fuss.

We definitely did not see what was to come.

Maybe it should've stayed simple.

We'll never know.

Computers rule the world now.

The internet is God.

Let's see where we are in another twenty years.

Those were the days.

Keep reading...Show less

Not all television and movies are loved by all.

A story and its characters have to appeal to you in order for you to be engaged.

It can take next to nothing for us to lose interest and let the screen go black.

Keep reading...Show less
People Debate The Worst Ways Someone Can Die
Photo by davide ragusa on Unsplash

I fear death.

I wake up in cold sweats dreaming about it.

I think about it in my waking hours.

It's an obsession and clearly, I'm not alone.

But there are more preferred ways to exit.

All we can do is hope to be lucky enough to skip the mercilessly awful.

Please just let me go quick and in my sleep.

Keep reading...Show less
Foreigners Explain Which Stereotypically American Things They've Always Wanted To Try
Stephen Simpson/GettyImages

Most Americans think nothing of their humdrum daily activities or amenities available to them.

However, others with a different perspective might romanticize the things that are otherwise commonplace ideas and concepts for US citizens, like going to a diner or riding the school bus.

Keep reading...Show less