With COVID-19 looming above us, it may be high time to reflect a little more about your money-saving habits (or lack thereof). What do your bank account and your love life have in common? Are they both empty?

That may be true…but not quite. The sad truth is that you probably don’t want to talk about either of them and in that lies the problem. Being in denial about your financial situation is a one-way ticket to failure. Remember, not all saving strategies are foolproof and you may be doing it all wrong even if you hate to admit it.

Read more: 7 Habits that are Costing You (and How Much You can Potentially Save)

For example, living frugally to save money is certainly a skill to be applauded, but reaching big financial goals—like getting started on your mortgage, saving for a master’s degree, or even preparing for retirement—will take more than just stashing your cash away. This was true before, and it’s even more relevant now that we’re living during a crisis like COVID-19.

If your cash inflow is good but somehow you still find yourself crawling to your next paycheck, then it’s probably time to rethink your financial strategy. Here are other telltale signs that you’re doing it wrong.