1. Limit credit card use.
Don’t use credit cards for things you buy, you’ll be paying with interest long after you’ve used the product.
2. Making late payments on bills.
If you think you are going to be late making payments, call your creditors and let them know, making late payments affects your credit score.
3. Wasting Household Energy.
Learn how to save money on energy bills by turning off lights, reducing ac/heat use, and looking around your house to see where you can save money on energy.
4. Eating Out Every Day.
Save money by cooking at home or bringing your lunch to work, if you must eat out use coupons from places like Restaurant.com.
5. Complain about being broke.
Instead of complaining about how broke you are, do something about it, get a part time job, and take online surveys to make extra money.
6. Not saving money.
Emergencies do happen, so make sure to save money in case your car breaks down or you lose your job, at least you will have something to fall back on.
7. Spending money on things you don’t need.
When buying something, ask yourself if this is a need or a want, if it’s something you want then you don’t need to get it.
8. Paying full price for entertainment.
There are so many free things to do in many cities, and if you take advantage of daily deals, you can save up to 90% on entertainment. Find Today’s Daily Deal on Your City’s Best Things To Do at Groupon.com!
9. Negative Thinking.
Thinking negatively will prevent you from moving forward towards your goals in 2012, so get motivated and start thinking positively about what you want to accomplish in 2012.
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