With a chance the nation could soon go over the fiscal cliff, it has never been more important for people to take a smart approach to managing their finances. Even when economic conditions are more stable, individuals should still strive to be responsible spenders. If they are unsure as to whether or not they have the right characteristics to do just that, they may want to take a personality test.

The results of this assessment might help them figure out what they need to change about themselves in order to become better with their money. According to Investopedia, there are several traits that can stand in the way of smart financial decisions.

One personality trait to be on the lookout for is distraction. Investopedia states that individuals who need to deal with personal and professional obligations, such as children and a career, sometimes place financial matters on the back burner.

Meanwhile, those who tend to be risk takers may treat investing very much like gambling, which is anything but ideal.

Of course, these are just a few negative traits. If people want to know how they can become better with their money, they may want to turn to the U.S. Bureau of Labor Statistics, which details the key skills personal financial advisors should possess. These professionals, who help clients with their finances, should possess good analytical and mathematical skills.