(CW 69 news at 10)– How does your money management skills compare to those in your city? A WalletHub study shows that people living in eight Georgia cities are among the 20 worst cities for personal money management.

The National Foundation for Credit Counseling (NFCC) conducting a survey about financial literacy among US households and showed that 55% of adults gave themselves high marks on personal finance literacy. This includes knowledge of personal finance, maintaining a  budge, and spending habits.

WalletHub conducted a study of more than 2500 cities based 10 indicators of money management. The indicators that were looked at were debt levels, including credit card debt, mortgage debt, and student-loan debt. It also considered financial behavior like credit score, late payments, bankruptcy, and foreclosure rate.

Eight cities in Georgia ranked in the bottom 20 in overall money management skills, Fairburn, Lithonia, College Park, Union City, Jonesboro, Covington, Locust Grove, and Hinesville. Lithonia and Union City had the highest average number of late payments.  Lithonia, Morrow, Fairburn, and Union City have the highest student loan debt to income ratio only having one other city lower.