There’s a direct correlation between an employee’s productivity and their personal money management habits. Poor personal finances management results in poor performance at the workplace. What are the clear signs?

Unmotivated staff.

For the record, money is not always a positive motivator. Workers value remuneration, but when increased, they don’t necessary get motivated to work more. Its absence is very noticeable but its presence is also ignored. This however, is not sanction failure to pay fair salaries for work done.

High stress levels.

If money is not handled well, it can lead to stress. If someone is at work thinking of his children at home because of unpaid fees or unpaid house rent, they cannot perform well. Unmanaged stress can easily lead to high blood pressure, migraines, fatigue, heart conditions, weight loss or gain, skin ailments and many other such challenges that ultimately cost the employer in medical bills, time out and low productivity.


Staffs who have unresolved money issues will spend more than half of their working time away from their core duties. They will take time away from their work to make arrangements for unmet financial commitments, source for expensive short term credit or scheming for extra money that may require taking up other assignments away from the normal workplace for quick cash. The employee will definitely be too exhausted with little concentration to perform his or her duties to their full capacity.

Relationship problems.

Staffs who do not manage their money are generally difficult to oversee because of their negative attitude. They are involved in workplace conflicts for they are likely to miss deadlines, not in good terms with colleagues owing to failure to honor commitments or are outright rude to their peers and senior. Domestic disputes impact negatively productivity because they cause the employee to spend time addressing them, running away from them or even seeking medical or counseling help at the expense of the employer.


Poor money management habits coupled with financial illiteracy leads workers into poor spending of their hard-earned money, poor investment decisions and expensive credit which results into heavy debts and low disposable income. They end up being very broke and in large debts.

Employers should offer their employees training on financial literacy to encourage work performance.