When the restaurant isn’t clean, that’s a red flag. When your date forgets his wallet, that’s a red flag. And when an auto mechanic pushes a bunch of costly repairs on you at the garage, that’s a huge red flag. Then, of course, there are financial red flags. Life sends you these little alarm signals your finances aren’t quite where they should be. For example, when your bank hits you with an overdraft fee, that’s a clear sign your finances could use some TLC.As we mature, we try to cast off these red flags, but sometimes they’re difficult to shake. Here are several common financial red flags you should address before you turn 40 — plus easy ways to eliminate them this week. Red Flag No. 1: You Don’t Have a Budget Do you know how much of your income goes toward housing? Or how much you spend on dining out each month? Have you set any financial goals lately? What’s your savings look like? One of the simplest ways to identify — and overcome — multiple financial re...