Regardless of whether you live in North or South Jersey, your pockets hurt every time your rent or your mortgage comes out.

Yep, that's the price we Jerseyans pay for calling the Garden State home. Living expenses are NOT cheap here. Still, the perks are pretty nice. Almost everyone lives within a decent proximity to one beach or another. There are plenty of things to do for fun in NJ. Plus, two of the biggest cities in the country are within driving distance, three if you count Washington D.C.

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While it may be pricey to live in the Garden State, so many residents wouldn't have it any other way. Meaning, even though it's a pain in the wallet sometimes, the pros of living in New Jersey outweigh the cons. So, what do people do to make ends meet? These days it's tough to do so, trust us. Well, apparently, most people in New Jersey are actually smart with their money.

Go figure.

A new survey actually revealed that New Jersey ranks within the list of the top ten most financially savvy states in America. Now, this survey is specifically referring to the residents' spending, not the state government's. So, the question remains how did the people conducting the survey come to this conclusion.

Well, they analyzed each state based on spending habits, debt-to-income ratios, and the percentage of people with savings. You'd be surprised to hear that most people here in the Garden State do, in fact, have at least a little something set aside for a rainy day. So many people in this country live paycheck to paycheck, so the fact that a good chunk of New Jerseyans have any kind of savings at all actually says a lot.

Also, there's a decent amount of people who don't spend too much. The survey says that New Jersey people try to keep their spending within their means. Can you blame us, though? Jersey ain't cheap!

Another fun fact about NJ people's money habits is that most put down more than the minimum required payment towards credit cards every month.

So, say what you want about New Jersey! At least most people in the Garden State do what they need to do so they don't go broke. Key phrase there though is "most people."

Source: WalletHub.com

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