NEW YORK ( MainStreet) — Despite many efforts to beef up my income and slim down expenses, I'm still somehow broke. I only have three months to make some major changes to earn more money, spend the money I have more efficiently and save up enough to continue my adventure. To do it, I need to identify what it is about me that makes me broke.

I reached out to T.J. Tillman, a founding partner at Empire Wealth Management, and several other financial experts to assess the financial and life issues I'm having. In discussing my options and wealth generation strategies, we came up with several commonalities among broke people. Essentially there are seven types of people who are always broke, and, if you have one of these personality ticks, odds are you're broke too.

Here are the seven people who are always broke, and how you can avoid becoming one of them:

1 – People Keeping Up with Other People

Early adopters, gamers and other impulse spenders want to keep up with the latest and greatest. They're only a small subsection, however, of the bigger epidemic of people trying to outspend their friends, family and neighbors just to prove they're doing O.K. financially. If you try to go out with everyone else for a steak dinner when you have a hamburger budget, you'll soon find your budget depleted.

"This pattern repeats itself over and over," says John Hargrave, a bankruptcy attorney with over 30 years of experience. "No matter how much a person earns, they spend it all because they want it all."

You don't need a new car when someone else gets one, and just because a phone has new features, doesn't mean they'll benefit you.

It's all well and good that you can use your phone as a projector, but have you used that function? Stop keeping up with the Jones, and save for your own future.

2 – People Who Never Pay on Time

Every bill you pay late adds an additional fee; this is pretty much universal anywhere. Your phone, utilities, mortgage, credit card bills – they all charge fees for tardiness. Even stretching out your loan to the maximum term limits in order to pay as little as possible is a terrible idea; a 30-year mortgage, for example, will more than double the ticket price of your house.

"A person with a great credit score may qualify for a mortgage at a 4% rate versus 5% for someone who has not managed their credit as prudently," says Tillman of Empire Wealth Management. "This 1% difference in rate results in an additional $150 a month payment and an additional $53,000 in interest over the course of a 30-year loan."