2) Your Friends
The reality is that some friends may be hurting your finances. “If a friend is encouraging you to indulge in bad financial habits, you need to have a conversation and be clear about your own financial goals,” said Laura Adams, host of the “Money Girl” podcast.
Let your friend know why you’re not able to join them for certain outings, Adams added. Maybe you’re saving for a car or want to pay off student loans, and you have to cut back on social spending.
Who knows? Maybe your responsible behavior will encourage your friend to adopt some new goals as well.