You know you're in personal finance denial if you aren't truthful about money and the role it plays in your life. For instance, do you ignore your bank statements or bills, carelessly keep adding to your credit card debts, have a growing overdraft or keep spending money you don't have in order to impress others?

If you do any of the above, chances are good you have also experienced the pitfalls of personal finance denial and find money and your relationship with it very stressful.

Personal finance denial is a waste of time and energy. Denying the truth and not taking steps to improve your financial situation is the worst thing you can do.

Your issues with money will not go away if you continue with a negative attitude. By being in personal finance denial you're actually inviting things to go from bad to worse. Being in denial is like being in a hole and unless you make a change soon you