1. Spending on phony emergencie

2. Buying the ‘latest and greatest’ of anything

3. Piling groceries into your cart

4. Dining out too often

5. Living the high life with your friend

6. Planning expensive vacation

7. Splurging on clothe

8. Indulging in pampering session

9. Continuing to pay for cable

10. Paying for gym membership

11. Underestimating housing cost