You're a stuff-and-go spender
Your wallet is packed to the max with cards you don't use, receipts dating back to who knows when, old coupons -- and how did that stick of gum get mixed up with your dollar bills? Your billfold may be so unruly that it literally leaks -- you find extra cash in your couch cushions or tucked into strange places around the house. You're most likely hanging on to various pieces of paper in hopes that one day you'll actually go through and file them, says Dayana Yochim, personal finance consultant for The Motley Fool Web site fool.com.

But, in fact, the state of your cash shows you keep living in the moment, collecting evidence of your spending habits but never really examining them. Yochim suggests you take one small step toward whipping your money-flow situation (and wallet!) into shape: Set aside a half hour a week to sort your receipts and figure out your budget. For an even bigger assist, sign up with mint.com, a free service that helps you keep track of your financial accounts (credit as well as checking).

If your wallet is filled with plastic, not paper

You're a charger
You'd rather say "Charge it!" than count change or deal with the ATM. Favoring cards over cash isn't necessarily a bad thing -- there are people who use their cash-back rewards to the fullest and are able to stay on top of their finances with monthly statements, says financial adviser Brent Kessel, author of It's Not About the Money. But for most of us, he says, this pattern indicates that you're not aware of expenditures will help you keep on top of what You're doling out.

If your wallet is totally organized

You're a neat freak
You get an A+ in wallet organization -- there's a slot for everything. Hey, it may even have crossed your mind to iron those dollars. You're in control: You know exactly where your money is at all times, from your bank account to your 401(k) plan. But you could benefit from occasionally easing up. Though it may seem decadent, it's actually important to allocate money for fun. Relaxation is not only key to overall happiness but also can save you in medical bills, since the effects of stress can compromise your immune system. After all, when it comes to money, as with most things in life, Kessel notes, it's all about finding balance.