We spend a lot of time telling you what you should do – things you should save on, affordable gifts you can give and ways to make your life easier and less cluttered. We figured now might be a good time for you to look at things you’re already doing to see if you have any bad financial habits that you need to kick!

Skipping the Gym

You’re probably spending an arm and a leg on your monthly gym membership but how often are you going? If your membership costs $60 per month and you’re hitting the gym once a week, that’s $15 per workout! Is it worth it?

Smoking

Obvious health benefits aside, smoking is EXPENSIVE. Check out this handy cost of smoking cigarettes calendar and see just how much you waste on this habit.

Being Disorganized

How many bills have you paid late? How many rebates and gift certificates have you not redeemed? Getting yourself organized helps to make sure you don’t end up spending unnecessary money!

Impulse Shopping

Buying something to make yourself feel better is very common but think about how much money you’re wasting on it! A t-shirt here, a pack of gum there, a trinket by the cash register at the grocery store… that can cost you up to $100 per month. Make a budget, make a list of things you need, make a “wish list” of things you want to save up for and stick to it. No more impulse shopping!

Overusing Credit Cards

Despite popular belief, credit cards aren’t free money! Use credit sparingly – save it for when you are in need of a big ticket item. Stick to one or two cards and make payments each month that are higher than the minimum required.