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