There are some bad habits you literally can’t afford to keep in 2018. From getting scammed to making poor personal and financial choices, some bad habits come with unexpected consequences.
Below, we look at five bad habits you should drop to help ensure you have a safe and secure new year:
1. Living In The Past
In a study that looked at the behaviors of 50,000 business leaders, researchers found that poor decision makers tended to rely on old data or old approaches that worked before. “Too often,” the decision was destined to be a bad one because the information is no longer true, the study found.
Times are always changing, and we still have decisions to make. It’s important to make decisions based on current information.
2. Associating With Friends With Bad Money Habits
You are who your friends are (financially speaking).
Research shows that the brain waves of two different people look nearly identical when they are in the presence of one another.
So, if there’s a financial goal you want to reach this year – like saving up for a vacation or paying off a loan – you’re more likely to achieve it if you spend your time with people who already demonstrate good money habits.
3. Trusting Others Too Quickly
Research shows that trusting others too quickly is a shared trait among victims of online dating.
Without taking the time to learn about the background of the other person or what this person’s motives are, a trusting online dater takes the scammer’s word as truth.
This bad habit can cost you your savings and steal your heart. Remember, trust is delicate. It takes time to develop. This year, take time when getting to know someone new.
4. Engaging With Robocalls
Sorry, but trying to rid these horrible calls by telling the scammer to “$#%@ off” is a bad habit.
Sure, it’s a nice way to blow off steam, but you should stop because it will likely backfire. Responding to a robocall just means you’ll start getting more robocalls.
What you’re essentially doing by speaking is notifying the scammer that he or she is dealing with a real number, and therefore a real person, and will become more ambitious to scam you.
There’s even a scam tactic in which a robocall will ask, “Can you hear me?” To which if you say “yes,” will record your answer and use it to authorize fraudulent charges on your utility or credit card account.
This year, block pesky phone numbers from calling you. Check out our post How To Block A Phone Number On Android And iPhone to learn how—because you should never be bothered by unwanted callers.
5. Failing To Monitor Your Identity
Just as credit experts recommend regular check-ups of your credit report to avoid mistaken infractions and spot signs of identity theft, regular check-ups of all the public data associated with your identity can be one useful way to check-in with your credit and monitor for any signs of identity theft.
The data in BeenVerified’s background reports include names and aliases, relatives and associates, address histories, property reports, phone numbers, criminal records and convictions and more. The information you discover on your own public record can indicate signs of an imposter using your identity.
This year, run a background check on yourself and ensure that all the information in your report is correct. If your name is affiliated with unknown associates or incorrect relatives then that could be a sign of a larger problem.
To keep peace in your mind and your money in your pockets this year and on, make sure to drop these bad habits.