No one is born with financial intelligence.

It is something that is trained and learned through your parents, providing vital information or by making one too many financial mistakes in your teens and early twenties. 

When faced with the prospect of ruining your finances, from debilitating overdraft fees to terrible credit that doesn't even allow you to purchase a cell phone plan, it can feel like you will never get out of this financial hole.

This isn't the case, though; everyone can fix their finances, and they don't need to do it alone.

Work With a Professional 

You can read all the available advice online that you can find, but even the most concise guidance will not hold a candle to a professional. Anyone severely struggling with money and budgeting should consider seeking help from a Financial Service Provider who can give them invaluable suggestions on how they can improve their situation. 

These professionals have the experience to provide information for a wide range of scenarios. They may have already seen your situation, or something close to it, before, and so they already know the best action to take. They will need to be strict with you, and they won't accept any nonsense, so you need to demonstrate you are dedicated to improving your finances. 

Find Someone to Hold You Accountable

Whether it's your partner, parent, or even your child, you can find someone to hold you accountable for all of your spending. If you give yourself a goal, such as saving x-amount for your child's college fund or saving up to treat your partner to a vacation, you can improve your spending habits and focus more on the bigger picture. 

By being accountable for every dollar you spend, you should start to catch yourself every time you are about to make a purchase. You can ask yourself whether it is worth it. You may even twist yourself into justifying it, but this is a dangerous game to play, so do everything you can to avoid doing so, and put that wallet away. 

Automate Your Savings

Many people struggle with manually moving funds from a current account to a savings account every month. They see the number on their account, and they feel a sting of worry about whether they can pay for rent or groceries if they put too much away. 

This is a sign of someone who has a history who is not good with money. If you automate your savings to move a specific amount with every paycheck, you won't experience this internal battle. If you never see the full number, you can't miss what is gone, and over time, your savings will add up. 

Fixing Finances

You need to work hard to solve your financial troubles, become debt-free, and even become financially independent. If you have tried and failed too many times, consider using these tips to help you manage your money more effectively. Once you learn from the experts and develop excellent habits, you will find the digits ticking up, giving you the financial freedom to live life the way you want.