Your wallet is stuffed with crumpled currency and raggedy receipts while loose change clutters the floor of your car. That doesn't have anything to do with your ability to build a sound financial future though, right?

Wrong. The way you handle your day-to-day cash speaks volumes about your money personality, according to personal finance experts.

"Our outer financial life is really created and deeply affected by our unconscious beliefs about money," says Brent Kessel, author of "It's Not About the Money."

So how do you know what your beliefs are? Think about how you keep your wallet:

Money's there ... somewhere -- You have money in your wallet, but you never have any idea how much. But who cares, if you can't find it or can't find enough, just whip out one of your many credit cards or debit cards.

"Such behavior is what I call the 'head in the sand' -- an ostrich," says Manisha Thakor, a Chartered Financial Analyst and co-author of "On My Own Two Feet."

People who don't know how much money they have in their wallets may also be unaware of what's in their bank accounts or even their 401(k)s.

"These are people who are afraid to see what the reality of their financial situations is," Thakor says. "You may know where the pile of bills is, but you just don't want to open them."

However, there's a danger in this behavior. You may be tempted to overspend or even pull out a credit card if you aren't aware of how much you have available, says Patrick P. Astre, author of "This Is Not Your Parents' Retirement."

Running on empty -- Your wallet is usually empty because you can't seem to keep cash in it for long. No matter how many times you go to the ATM, you'll find yourself staring into an empty wallet again very soon and wonder where the money went. Similar to the person whose head is in the sand, this is the person who is making money but they have no idea where it's going, says Astre.

Next: If you exhibit this behavior, you probably have good financial habits. >

Bankrate.com is the Web's leading aggregator of information on financial products including mortgages, credit cards, new and used automobile loans, money market accounts, certificates of deposit, checking and ATM fees, home equity loans and online banking fees. Visit Bankrate.com to get the tools and information that can help you make the best financial decisions.

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