You can add personal finances to the list of things New Yorkers love to hate.
Nearly 40 percent of Big Apple residents hate the financial condition they're in, according to a recent poll.
The high cost of living in New York City — including commuting expenses and housing costs — has them in a foul mood, the poll found.
"Much of the reason the New Yorkers who were surveyed were unhappy with their financial picture is the fact that half of the New Yorkers surveyed said they live paycheck to paycheck," said Paul Golden, the of National Endowment for Financial Education, or NEFE.
"The percentage of New Yorkers who are unhappy with their financial life is higher than those surveyed in Los Angeles; Chicago; Philadelphia; Dallas; San Francisco; Boston; Washington, DC; Atlanta; and Houston," Golden told The Post.
Washington, DC came out ahead in this lowest level of "unhappiness" at 21 percent. Dallas and Atlanta tied at 32 percent, behind New York's jaw-dropping 38 percent.
There's a reason for all this financial gloominess.
Manhattan is the only county in the United States in which living costs are more than double the national average.
And it isn't as though the outer boroughs are a bargain, either: They are still more expensive than other American locales, the study notes.
According to a Kiplinger survey taken in 2014, Manhattan's cost of living is 120.4 percent above the US average.
Brooklyn and Queens may be relatively more affordable, Kiplinger notes, but they still put the squeeze on residents who must pay a 71.5 percent and 52 percent premium, respectively.
And while New York may have some of the nation's highest salaries, they are not high enough to offset the even higher costs of living here, many find. Those higher salaries are often eaten up more quickly than in other cities by housing.
Housing costs in Manhattan are more than 4.5 times the national average, according to Kiplinger.
But — unlike such ongoing headaches unique to New York like extremely overcrowded sidewalks during the holidays and nearly getting run over by pedicabs — New Yorkers can do something about their finances.
The leading option is cutting expenses. Nearly two-third of New Yorkers — 63 percent according to a separate NEFE poll — say they will tighten their belts in the new year.
Golden advises New Yorkers stressed out by their situation to set realistic goals to get back on a solid financial footing.
"While it's been taught that everyone should have at least six months of their salary saved in an emergency savings fund — we suggest you start simple," he said.
"Even $500 in an emergency savings can be invaluable when unexpected expenses crop up this year," he said.
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