GREENSBORO, N.C. -- Car payments, house payments, loan payments, you have bills; we all do!

But at least you know the same bills are coming, at the same time every month and you an plan for them.

Money expert, Ja'Net Adams says the problem comes with unexpected outside issues.

"You have to think about issues outside of your home that might affect your money. You may not want to deal with outside situations, but it doesn't mean that it will not mess with you money. I want to share a few that you may not be thinking about," said Adams.

Adams, who wrote the book, Debt Sucks: Everyone's Guide To Winning With Money So They Can Live Their Dreams. She offered three hot-button issues you might not be thinking about, that could impact your money.

The Federal Funds Rate (Fed Rate) is one that impacts everyone. The Fed Rate an make borrowing money more expensive.

"If you are thinking about certain types of loans, you will be paying more if the Federal Reserve keeps raising the rate," said Adams.

Current and future college students will also see changes to their student loans.

"Let's say you are a college student or the parent of one. There is a proposal to cut out unsubsidized loans which means students' loan debt will increase," said Adams.

T he same proposal wants to cut out Public Service Loan Forgiveness.

"If you were planning to work in public service (teacher, non-profit, etc), pay loan payments for ten years so that the balance could be forgiven then that is in jeopardy," she explained.

The other big outside factor in your finances concerns healthcare.

"If any changes are made in healthcare going forward more than likely it will impact your wallet. You may be an entrepreneur that may have higher premiums in the future. You may be an older individual with multiple medications and see those costs rise. It is hard to ignore healthcare."

Adams says paying attention to money markets and federal increases will at least give you a heads up on changes.

You can ask Ja'Net Adams your money questions and get more tips on line, by clicking here.