Why oh why are you getting email alerts from your bank because your account is dangerously low? You got your paycheck just days ago! Oh yeah, because you have no idea how to manage your dough. Sure, some of us are guilty of going to shameless lengths to save money, but we don't blame you for choosing to be poor instead of sacrificing your dignity to save a dollar or two. However, maybe it's time to not just examine your budget, but examine yourself and your life choices. If you do any of the following, now's the time to tighten up your purse strings.