When it comes to getting into a relationship with someone, there’s a lot to consider. From personality traits to compatibility, there are many factors at play.
But, money matters too. It’s not about being a gold digger or looking for a sugar daddy. It’s about practicality and stability.
Financial issues can cause serious strain in a relationship, and it’s better to recognize these issues sooner rather than later.
This article isn’t about passing judgment on anyone for their financial struggles. We’ve all been there at some point.
Sometimes it’s due to circumstances beyond our control, sometimes it’s due to poor decisions, and sometimes it’s just the ups and downs of life.
It’s about recognizing patterns that signal financial instability.
What we’re looking at are signs that a guy may be in an “ongoing state” of financial instability (aka signs of a broke guy).
1. His Living Situation Seems Temporarily Permanent
A person who is financially struggling might not be able to afford a place that feels like home. Their living situation may be temporary, and they could be staying in shared accommodation, with friends or family, or in a low-cost rental. The concept of “moving out soon” or “just a temporary setup” often comes up, as they hope for a more permanent solution in the future.
ALSO READ:-
- What Does It Mean When A Guy Mocks You?
- Are Gamblers More Likely to Cheat In Relationships?
- 10 Signs Your Ex Tried to Replace You But Failed
- When a Guy Just Wants to Be Friends After Dating
- When A Guy Slows Down Communication
2. Eating Out is a Rarity
Eating out at restaurants is a luxury that many people who are struggling financially can’t afford on a regular basis. If he rarely eats at restaurants, is constantly talking about cooking at home to save money, or avoids going out for meals with friends or loved ones, it may be a sign of financial stress. Dining out is often viewed as an unnecessary expense when money is tight.
3. Sale Shopping is His Favorite Sport
When someone is constantly looking for sales, discount offers, and coupons, it could be a red flag that they are trying to live within a tight budget. If he only buys items that are heavily discounted or only shops during sales, it’s a sign that he is trying to stretch his limited finances. Shopping habits like this could indicate a person who is struggling to make ends meet.
4. Credit Card? What’s That?
If you’re in a situation where someone avoids credit cards or doesn’t use them at all, it may be due to poor credit or an aversion to accumulating debt. Financial struggles often lead people to avoid credit card companies, as they are unable to keep up with payments. A lack of credit history or hesitance to use credit cards can be an indication of financial instability.
5. Vacations are a Foreign Concept
Taking vacations can be a luxury that many cannot afford when they are living paycheck to paycheck. If a person consistently expresses a lack of interest in vacations or downplays the need for one, it could be a sign that they don’t have the financial freedom to travel. It’s possible they may not be able to take time off from work because of financial stress.
6. His Favorite Mantra is “I’ll Pay You Back”
When someone constantly borrows money but never seems to have the means to pay it back, this could indicate a serious issue. Phrases like “I’ll pay you back soon” or “just give me some time” become a frequent part of their vocabulary. This behavior may point to someone who struggles with managing money or has a low income.
7. His Job Status is Always ‘In-Between Jobs’
If someone is constantly switching jobs, always claiming to be in-between jobs, or expressing frustration with their employment situation, it might be an indication that their financial situation is unstable. Uncertainty in employment or a string of temporary or low-paying jobs often leads to difficulty in managing expenses and maintaining financial stability.
8. He’s Always ‘Broke Until Payday’
One of the most common signs of financial instability is a person who is always broke just before payday. If he frequently mentions being broke, especially right before receiving his next paycheck, it’s a sign that he is living paycheck to paycheck. There is little to no financial cushion to cover unexpected expenses, leaving him in a perpetual state of financial stress.
9. Luxuries? They’re Alien to Him
People struggling financially often don’t indulge in luxuries. High-end goods or experiences are often completely out of reach. If he never treats himself to non-essential items, like brand-name clothes, gadgets, or entertainment, it could be because these things are simply not in his budget. A lack of interest in or ability to indulge in luxuries is a clear sign of financial hardship.
10. He Never Talks About the Future
Someone who is broke may avoid talking about the future because they are uncertain about their financial situation. They may not discuss long-term goals, dreams, or plans due to the unpredictability of their current situation. A person who struggles with money might not feel secure enough to talk about what lies ahead, as they are focused on surviving in the present.
11. His Best Friend is Mr. Minimum Payment
If he consistently only pays the minimum payment on his credit card bills, it’s a red flag. This habit typically indicates a person who has accumulated significant debt and is barely managing to pay it off. Paying only the minimum usually means that interest rates keep piling up, which perpetuates financial strain. He may also avoid discussing his credit card balances or debt.
12. Budgeting? He’d Rather Walk on Hot Coals
Some individuals who are struggling with money avoid budgeting at all costs. Budgeting requires discipline and financial awareness, but for someone who is in denial about their situation or simply doesn’t have the means to manage, budgeting is seen as a burdensome task. If you notice that someone is constantly evading discussions about their finances or refuses to make a budget, they may be avoiding facing their financial realities.
13. His Wallet is a Desert
A person who’s struggling financially often has an empty wallet. If you notice that they rarely carry cash, have a wallet that’s practically empty, or rely on others to cover expenses, it could be a sign that they are experiencing financial difficulty. When someone can’t even manage the small things, it’s often indicative of bigger financial issues.
14. He’s a Stranger to Savings
Someone who doesn’t have any savings in place is likely dealing with financial instability. If he expresses a lack of emergency fund or savings account, it’s clear that he’s living paycheck to paycheck. In addition, if they don’t have a retirement plan or don’t prioritize saving for the future, it’s a telltale sign that they haven’t developed a sustainable financial habit.
15. His Bills are Always Late
Consistently late bills are a significant warning sign of financial trouble. If he frequently talks about overdue payments or bills that he has yet to settle, it’s an indicator that he’s struggling with financial management. Late payments can lead to penalties and more debt, creating a cycle that is difficult to break.
Conclusion
Identifying a broke guy isn’t always easy, especially if someone is trying to maintain a facade of success. However, by paying attention to these 15 telltale signs, you can get a better sense of their financial situation. While financial difficulties are often temporary, these signs may help you understand the reality of someone’s financial habits and how they handle their money. Always remember that being broke doesn’t define a person entirely, but it’s a reflection of their current circumstances.
Emma Thompson
Hi, I'm Emma Thompson, founder of MyLittleDesire. I share relationship advice, love quotes, and thoughtful gift ideas to help you express your feelings and strengthen your bonds. Let's celebrate love together!
Email – business@mylittledesire.com
