Once you finally psych yourself up enough to actually look at your finances, are you like most people who only look at their current to not-so-distant future state of affairs? Do you look at the bills that are due and then decide which ones get paid based on the amount left over in your bank account?

It’s been said that the best way to predict the future is to create it. It’s also been said you can’t solve a problem in the same environment in which it was created. With that in mind, let’s take a look at some past contributing factors to your present situation and how we can create a healthier financial future once and for all.