Believe it or not, finances are emotional. Some individuals are emotional eaters and some are emotional spenders. Take a good look at how you feel when it comes to finances. Are finances something that you cringe about just thinking on the subject? Or do you have a lackadaisical attitude when it comes to finances? Examining how you feel about money will be the tell-tale sign of why your finances may be in a state of disarray. Take responsibility by looking at your incoming and outgoing funds. Take responsibility by looking at your spending habits the last six months. Take responsibility by keeping a journal of everything that you spend.