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  Mistake #6: Overspending  

"I don't have to have millions of dollars to be happy. All I need are clothes on my back, a decent meal, and a little loving when I feel like it."~ Ray Charles (1930-2004), American Musician, Singer, Songwriter

6. Not being careful about your spending. You can get tripped up three different ways. Some consumers buy out of temporary desire, and their stuff mostly sits unused. Others maintain spending habits that cost them thousands each year, even though they don't really enjoy those habits like they once did. Thirdly, it's easy to lose control of recurring expenses (e.g. utility bills) as they creep upwards year after year. It all adds up to hundreds, even thousands of wasted dollars each year for the average family. Best resources: there are many articles at and A free e-course is available at

(Next Gem: Mistake #5: Mediocre Nutrition)

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