(Disclaimer: not all of these I agree with.)

• Spending to the limit on credit cards
• Emotional shopping
• Not prioritizing high-interest debt
• Only making minimum payments on credit
• Buying lottery tickets
• Overspending
• Paying too many ATM fees
• Buying coffee, lunch, and snacks every day
• Not finding the best rates
• Unused gym memberships
• Buying holiday gifts at the last minute
• Gambling
• Not sticking to your budget
• Not taking advantage of a 401(k) match plan
• Overpaying on entertainment