15 Signs That Someone Is Secretly Broke

Nuttawan Jayawan/Getty

Financial struggles can be sensitive for many, making some conceal their economic circumstances. It’s natural to want to maintain a particular image, but disguising financial hardship can have long-term consequences. As you swipe, we’ll walk through 15 features that may indicate someone is struggling financially but is trying to keep up appearances.

Overly Generous

Kateryna Onyshchuk/Getty

Despite their financial scuffles, individuals disguising their financial situation may display an overly generous nature, often covering expenses or treating others. They typically do this to maintain appearances and hide their financial difficulties.

Avoids Money Discussions


When financial topics arise, they steer clear or become visibly uncomfortable. This avoidance could indicate a reluctance to confront their financial reality or a fear of judgment from others.

Frequent Borrower

Lyamport Galina Vyacheslavovna/Getty

This individual may frequently ask to borrow money or items, often without a clear repayment plan or timeline. The sad truth is that they rely on others to meet their needs.

Excessive Frugality


They may exhibit extreme frugality, always opting for the cheapest option regardless of quality or necessity. They’re trying to stretch their limited resources and mask their financial problems.

Inconsistent Spending Habits

Nuttawan Jayawan/Getty

Despite financial difficulties, they may display inconsistent spending habits, splurging on non-essentials while neglecting essential things. Such inconsistency can be a way to carry on a facade of financial stability.

Avoids Social Gatherings


Individuals trying to conceal their financial scuffles may often find excuses to skip social gatherings that involve spending money. They typically do this to avoid revealing their actual financial circumstances to others.

Unwilling to Invest in Personal Development


Some people avoid spending money on education, training, or other opportunities that could improve their financial situation. Sometimes, it’s because they would rather spend time impressing others. It may also be a fear of investing in themselves.

Reluctant to Upgrade


Even when it’s pressing, they resist upgrading or replacing worn-out or outdated items. Coming up with weird reasons, this stems from a lack of funds or a desire to maintain the appearance of financial stability.

No Emergency Savings


Individuals disguising their financial struggles may have little to no savings for emergencies, making them vulnerable to economic crises. The main reason they lack savings is their pattern of living paycheck to paycheck.

Ignorance About Their Finances


They may display little awareness or interest in their financial situation, such as not knowing their bank balance or debts. This is intentional ignorance, a way to escape facing the reality of their financial state.

Overuses Credit Cards

Natee Meepian/Getty

With financial difficulties weighing them down, they may rely heavily on credit cards, often maxing them out without a clear plan to repay the balance. This is a sure path to a cycle of debt and financial instability.

Constantly Seeking Deals


Such people always look for deals or discounts, prioritizing immediate savings over long-term financial stability. They are just trying to stretch their limited resources and maintain their standard of living.

Avoids Seeking Professional Help


People who hide their pennilessness may resist seeking advice from financial advisors or experts, even in the face of economic challenges. Two reasons are a fear of judgment or a belief that they can handle their money problems independently.

Unwilling to Invest in Health


Despite the importance of health-related expenses, they avoid getting insurance or preventive care. A lack of funds may cause this, or they may believe that their health is not a priority.

Neglecting Bills or Payments

Koh Sze Kiat/Getty

They may neglect to pay bills on time or prioritize specific bills over others. When late fees add up, this can bring about further financial strain.


Leave a Comment