Many people living for the moment

Maybe your problem is that you "live for today" and don't think about tomorrow. In some ways, living in the moment is great, sure — but not if you turn a blind eye toward your future. How do you know if you've got this attitude toward money? You probably  Use credit too much.  Don't try to pay off your credit balances as quickly as possible, telling yourself there will be plenty of time to do that later.  Save little, if anything.  Rarely, if ever, take time to balance your checkbook, check out your credit reports and credit score, or maintain a household budget. These money attitudes are self-destructive, and they do catch up with you eventually. Starting from now, start living for the future.