Baby of the family

Bacchus says babies of the family are very social and tend to prioritize dinners out with friends, latte runs and trips to the mall over budgets. This sometimes leaves little or no money to pay bills.

It's tough for those youngest in the birth order to spot these activities, which are the first ones to cut if you're in a budget crisis, says Kinney. "A social youngest child will have problems learning to value saving long term over the instant gratification of a social event," he says.

"Parents often dote on the youngest children, so they're conditioned to rely on others. They get into financial trouble because they can't handle responsibility and may even believe someone will fix their financial problems if their parents have paid bills for them," says Bacchus.

Temper your traits: Look for ways to spend less while still being social. Go for coffee instead of dinner, or rent a movie with friends instead of having dinner and a movie out.

"Start a 'social fund,'" says Rachele Cawaring Bouchand, a certified financial planner and the director of financial planning at Clark Nuber P.S., a CPA firm in Bellevue, Wash. That way it'll be easy to see how much money you spend on social outings.

Only children

Only children and firstborns tend to share most birth-order-related traits. "Like firstborns, only children are perfectionists who are generally very responsible," says Bacchus.

But in addition to paying bills on time and generally having a good (or great) credit score, Bacchus says only children also tend to seek approval from superiors and people older than they are.

"This could lead to trying to impress people at all costs, even if it means living beyond your means," says Dlugozima.

Temper your traits: Bacchus says it's easy to get caught up in all that impressing, especially if it seems to be working. After all, who doesn't like to be liked?

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Bacchus says only children should slow down and evaluate things. In other words, take a breath.

"Look at your relationship with the person you're trying to impress," Bacchus says. "If it's a one-way street where you're always shelling out cash just to impress and you're not being equally wooed, it's time to turn your attention elsewhere. Put your money toward a reward with long-term benefits like a paid-off credit card or padded nest egg."

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