20. Buying drinks from drive throughs and convience stores
19. Eating out and having alcoholic drinks
18. Speeding
17. Rush delivery on mail orders
16. Tickets for traffic violations and parking violations
15. Not using coupons at grocery stores
14. Not properly maintenancing our vehicles
13. Not making your kids a lunch for school
12. Buying cheap shampoo or cheap products period. They do not last as long
11. Buying snacks or sweets
10. Not eating left overs
9. Leaving lights and T.V. on all day
8. Turning heaters and A/C's on and off instead of setting at a comfortable temperature
7. By not mending torn clothes
6. By not asking for a better price on goods and services
5. Buying everything name brand
4. Financing personal goods at 23% on store credit cards
3.Buying cigarettes, tobacco, alcohol, energy drinks, espressos
2.Atm fees for using a foreign atm not your bank
1.Late fees on credit cards and bills
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