Life is full of surprises and some of them are unpleasant, so if we can organize some things maybe we can alleviate some ickiness in our lives. Here’s some money mistakes and how to avoid them.No plan- do you have a will, trust, living will or advanced directive? A plan helps, especially if you have little onesâ€¦ Not enough insurance- if you have insurance only through work, that may not be enough. Losing you would be devastating for the family and a check isn’t going to make up for it, but it could help the family stay in this house and in the scholl that they have grown accustomed to.Ignoring finances- Discuss finances with your spouse or partner, please. Address things that need attention, please, especially if you have children.Over spending- if you currently are spending more than you make, please stop. If you used to and have stopped, good for you! Waiting to invest- Every year that passes and you are not saving for your future is time you cannot recapture, BUT if you start today it’s better than waiting until tomorrow!Piling on debt – All financial times are uncertain because who knows what tomorrow will bring for YOU and your family. Debt limits your options, High school loans mean you are committed to certain cities to earn certain dollars. The more debt the less freedom. So try to stop adding to your debt.Making money too important- Money may keep the heat on, but it really doesn’t keep you warm at night in the cozy sense. Making earning money the most important goal of your life will leave you empty. Please reconsider your goals.Looking for the easy way- Get-rich-quick schemes tend to be just that, schemes. Saving money involves the repetition of spending less than you earn. It can be GREAT fun, and I hope you will find it so! Citations:http://www.mint.com/blog/how-to/ten-financial-mistakes-that-will-put-you-in-the-poor-house/Marion R. Syversen, MBA – PresidentNorumbegaFinancial207.862.2952Marion@NorumbegaFinancial.com Check out our website that includes weekly streaming videosWWW.NorumbegaFinancial.com Vote Norumbega Financial for Bangor’s Best Financial Planning Firm at Market Surveys of America In compliance with requirements from FINRA, all e-mail sent via the WSFG domain will be subject to review and archiving by Wall Street Financial Group, Inc. Email management, archiving & monitoring technology powered by Smarsh, Inc. Disclosure:Only securities and advisory services offered through Wall Street Financial Group, Inc. Registered Investment Advisor. Member FINRA/SIPC. Wall Street Financial Group, Inc. and Norumbega Financial are separate entities, independently owned and operated.