13 Ways to Scare off Your Money [in Gifs]

Happy Friday the 13th, gents! In honor of this magically spooky day, I thought I’d share with you what’s REALLY scary in this world today! It ain’t no black cats or weirdos with chainsaws either…

I present to you:

13 Scary Things People Are Doing With Their Money!

#1) They spend more than they make.

home alone screaming

#2) They put the rest on credit cards.

colbert screaming

#3) They buy houses they can’t afford.
(See what I did there?)

house run away

#4) They don’t have Emergency Funds.

damon rolling eyes

#5) They buy random crap.

ron swanson shopping

#6) They have no retirement savings.

old muppet guys laughing

#7) Their budget’s all in their head.

frowny face gif

#8) They play on Facebook all day at work.

bruce almighty typing

#9) They keep up with the Joneses BookieBoos

jerry seinfeld scary face gif

#10) They have no insurance.

falling down gif

#11) They don’t know where their money is.

crying gif

#12) They have no will*

pauly d reaction gif

And finally… #13) They’re not reading Budgets Are Sexy!

lindsay lohan gif smack

Be safe out there folks… Protect your wallets at all times!

*Not gonna lie, I personally fail at this one :( And people like me (parents!) need this more than anyone else!! Back on my list to *actually* do this time around, ugh…

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  1. Mr Financial Debauchery December 13, 2013 at 5:59 AM


    #14. They pretend like they don’t have time to learn more about their money or manage it properly. Then they end up working a bunch of extra hours trying to cover all the extra expenses they didn’t take into account. :)

    1. J. Money December 13, 2013 at 1:09 PM

      YES! No one ever has enough time to manage their money or eat or sleep or even breathe air these days. It’s amazing how we all survive each day ;)

  2. Nick @ Step Away from the Mall December 13, 2013 at 6:23 AM

    Ha! Black cats with chainsaws would be even scarier…

    Although I need to update my will since we moved from NJ to MA in October… Thanks for the reminder… and the GIF. I’m not much of a TV guy, but am pretty sure that GIF is from “Jersey Shore,” so it speaks to me as a former Jersey guy.

    1. J. Money December 13, 2013 at 1:11 PM

      You got it!

  3. Teffany @ Critical Financial December 13, 2013 at 6:28 AM

    Funny but true! I know some people spend more than they make and in the end talk about how broke they are. By the way I love their funny faces it really made me laugh!

    1. J. Money December 13, 2013 at 1:15 PM

      That drives me the craziest. It’s one thing to overspend or buy fancy stuff and keep quiet about it, but to complain to everyone how broke and “poor” you are is a complete other. It’s the same problem I have for those who bitch and moan about the gov’t or how horrible it is here in the US but then doesn’t do anything about it. Either keep your complaints to yourself, or go out there and try and make a difference.

      // End Rant.

  4. Lance @ Money Life and More December 13, 2013 at 7:29 AM

    #13 is clearly the biggest travesty. That or the fact that you used a gif of Lindsey Lohan to represent it.

  5. Ryan @ Impersonal Finance December 13, 2013 at 7:49 AM

    Loved this list! GIFs are the best. I agree with everything on it as well, and I unfortunately don’t have a will either. It’s definitely best to have one, but thankfully a lot of things, like joint bank accounts, retirement accounts, and a home bought together will avoid probate and go directly to the beneficiary. Although if you had money before you got married, or kids, the situation gets a lot stickier. I need to write my will this weekend. Keep up the awesome work!

    1. J. Money December 13, 2013 at 1:16 PM

      Well that’s good to know if it’s like that in all states! Technology has def. helped make things easier for sure. At the least I know my wife has access to all of our accounts since we have everything under one roof at USAA :) Makes things even easier!

  6. Brian December 13, 2013 at 7:59 AM

    I would throw in another part of #12. Having a will is great… making sure it is up to date is greater… My parents have a will. They did it in 1978 (after my sister was born) and never updated it again. So basically I don’t exist to them.

    1. J. Money December 13, 2013 at 1:16 PM

      Oh jeez, haha… so your sister’s gonna get EVERYTHING! ;)

  7. Brian@ Debt Discipline December 13, 2013 at 8:25 AM

    I think #2 is my favorite. Gif that is. Happy Friday the 13th!

  8. Kali @ CommonSenseMillennial December 13, 2013 at 8:39 AM

    We can all go home now, you have won the internet for today with this post. Absolutely loved this, you had me cracking up! I wish I could pick a favorite thing people do/gif to go with it, but they’re all awesome and spot on. Thanks for the laughs, J!

    1. J. Money December 13, 2013 at 1:24 PM

      Hooray!! I never get to win the internet!!

  9. David Hunter December 13, 2013 at 9:10 AM

    #13 is definitely the most important. It’s the lifeline of all things finance!

  10. Ben @ The Wealth Gospel December 13, 2013 at 9:13 AM

    Having a simple will is pretty easy. All you have to do is google “holigraphic will requirements [your state]” and you can write it on a piece of paper. Obviously when you have more complex estate issues, you need to work with someone who knows how to deal with that, but for most younger people, it would just be a waste of money.

    1. J. Money December 13, 2013 at 1:39 PM

      I believe you. It also makes it super easy when you’ve BOUGHT SOFTWARE AND IT’S SITTING NEXT TO YOUR DESK! Haha… I literally picked up Quicken’s WillMaker 2013 a good 8 months ago and have yet to plop it into my disc drive… it’s apparently one of the best, and easiest ways to make one!

      Looks to be 80% off on Amazon today too, jeez….

      1. Ben @ The Wealth Gospel December 13, 2013 at 5:50 PM

        lol nice! yeah the older versions are always super cheap and they’re just as good as the newer ones (as long as there aren’t any big law changes)

  11. Tim December 13, 2013 at 9:22 AM

    Oh man, old muppet guys laughing. So awesome :)

  12. Broke Millennial December 13, 2013 at 9:56 AM

    How much fun did you have finding those GIFs?

    The eye roll on no emergency fund is by far my favorite as I have certainly caught myself doing that before!

    1. J. Money December 13, 2013 at 1:41 PM

      That was one of my faves too – though I have no idea who that guy is? :)

  13. Brad @ RichmondSavers.com December 13, 2013 at 10:09 AM

    Great list! I particularly liked Ron Swanson with the corn rows…he might be my favorite TV character of all time…

  14. John S @ Frugal Rules December 13, 2013 at 10:39 AM

    Great mix of gifs J$! You can never go wrong with Ron Swanson or the old muppets. Though, #13 is obviously the biggest problem!

  15. Christine @ ThePursuitofGreen December 13, 2013 at 11:45 AM

    Great way to start a Friday morning! Love that I’m three hours behind you, so when I wake up I get to see a post!

    1. J. Money December 13, 2013 at 1:43 PM

      Yet another perk of Cali living! My wife swears we’re moving there next year btw, so my blog may be even closer to you :)

  16. Alicia @ Financial Diffraction December 13, 2013 at 12:14 PM

    I never truly realized how fun GIFs could be as posts… thank you for brightening my lunch time as I count down to the weekend :)

  17. Erin @ Red Debted Stepchild December 13, 2013 at 12:33 PM

    Haha, I love this, J! The House GIF made me LOL for real :)

    1. J. Money December 13, 2013 at 1:47 PM

      (well then I REALLY know it was a good post! :) Miss you, friend!)

  18. Micro December 13, 2013 at 12:42 PM

    Oh Colbert, your screams are always humorous. Unfortunately, my wallet will be taking a bit of a hit on this spooky day. I don’t want puppies running around my apartment later in life though so the little ones had to be fixed. Your welcome Bob Barker.

    1. J. Money December 13, 2013 at 1:48 PM

      “The price is wrong, bitch!”

  19. Michelle @fitisthenewpoor December 13, 2013 at 1:52 PM

    Parks and Rec gif! YES!

  20. Stephanie December 13, 2013 at 4:17 PM

    Rockin old muppets or House what an awesome addition to my Friday! Thanks for the laugh and reminding me I need to update my financial house. Excellent post today-today you own the universe!

    1. J. Money December 16, 2013 at 8:37 PM


  21. Joe December 13, 2013 at 6:10 PM

    Great collection! I just made a will so I’m not on this list anymore. :)

  22. Mel @ brokeGIRLrich December 13, 2013 at 8:03 PM

    Oh my gosh, I <3 Chang. Very nice. Though I also <3 my written down budget.

  23. Karen December 14, 2013 at 7:50 PM

    I must say. . .I’ve been pretty well behaved this year.
    I came up with a set amount to spend and I’ve been sticking to it. Your blog must be rubbing off on me. All those panicky faces would scare anyone into behaving. I just have a few ppl who are a little hard to shop for but other than that, I’m done. You?
    P.S. Gifs are a gift. : )

  24. J. Money December 16, 2013 at 8:38 PM

    I haven’t started yet, ugh…. typical guy.

  25. Lila December 17, 2013 at 12:28 AM

    Hilarious. This is my fave post on your site! :D

    1. J. Money December 17, 2013 at 8:11 AM

      Glad you enjoyed it :)