This mentality often stems from negative early-life experiences and messages surrounding money and success. As adults, people who develop scarcity mentalities often spend money as soon as they get it, fearing the opportunity to buy the things they want won’t come again.

OK, confession time: I have a bit of a financial savior complex.

Looking toward the future—even if it was only the next day—made minding my money easier.

Despite good intentions and a healthy dose of determination, less than half of people who make New Year’s resolutions are sticking to them at the six-month mark.

If I were to name the dominant emotion I feel around my money woes, it would have to be shame.