Bad spending habits. Do you know what you spend your money on? People with bad spending habits don’t usually know the answer.

If you have bad spending habits the first thing to do is determine what you are spending your money on.

• Getting rid of bad spending habits can be as simple as writing down EVERYTHING you buy – when you buy it.
• When you see where your money goes you can stop your bad spending habits.
• Keep a tight budget and don’t let your bad spending habits stray from it.

If your bad spending habits have created a mountain of debt, then you need to work out what you need to do to get rid of the debt – work out what you can pay each month, talk to the bank or financial advisor if you need to.

Bad spending habits can be broken.

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