10. Not having a plan in case of emergency many people cut their budgets close. If you have lots of money just for its ordinary expenses and have not left anything in the budget for emergencies, how you will pay for repairs if your car breaks down? If your house suddenly needs repairs? If you have emergency medical bills not covered by your insurance? It is important to make sure you have a plan to cover emergency expenses. If that means cutting things out of its regular budget, which actually may not be necessary, be sure to do that. 9. Spending money on luxury items needThis no one should be obvious, but many of us violate this simple rule anyway. When you see a new car, a brand article of clothing or piece of electronic equipment, ask yourself a few questions. 1) Is there any money in my budget for this? And 2) Is it really necessary? If it is an impulse purchase, chances are the first answer is no. The second answer is probably not, in any case. Think if you prefer that the element or financial stability. 8. Buy extravagant gifts for friends and familyThis is basically the same as the previous item in this list. The difference is that some people have not a problem with buying things for themselves, but with buying things for others. Disinterest is commendable, but it need not be as expensive as it might. It will not make your friends and family any good for you to go broke buying extravagant birthday gifts. 7. Allow to add the cost of small upIf your money is disappearing each month and you can not find where you are going, chances are you're not keeping track of minor expenditure. Say you make a trip to the store to buy a gallon of milk for three dollars. While you're there, take some ice cream, maybe a dozen of soda. You spend three dollars in candy for children in the box. Swing through a drive-through on the way home to get some food. Why not get the big for just pennies more? Each of these separate elements can not be very significant, but when you get home, you may have spent $ 30 – $ 40 during the trip were a little milk. If this sounds like the type of expenses you could do without trace, which is probably where the money goes. 6. Not saving moneyIf despite their efforts to find itself owing more money than I expected, can be a great relief to realize I have some money saved that can help you out of trouble gt. Try to put a percentage of each paycheck into a savings account that never touch. If something unexpected that rises and you have to pay a lot of money, you may find that you can take care of it without declaring bankruptcy. 5. Not keeping track of their money fundsHow currently have your checking account? What about your savings? What you put on your credit card last week? If you do not know the answer to these questions, you will probably end up overspending. 4. CardCredit put too much into their credit card debt is a serious problem in this country. One main reason is that people treat them like free money without really planning how they will pay the money they put into them. Another is that people do not think the interest rate will have to pay for purchases on your credit card. If you are making a credit purchase you can pay in cash, may be better to use cash than risk the interest rates run away from you. 3. Stop late fees is upAlmost build all afternoon with a bill from time to time. What really can kill you is late with their accounts so often that the fines and surcharges to start building. In a short time, the fees you pay each month end may be as large as any of your other accounts. 2. Ignoring BillsThis should be obvious, but some people just do not take action. If you do not pay your creditors, it is their right to take collection action against him. Most of them, however are willing to be lenient if you just talk to them. Many companies will allow extensions if needed, provided that when talking to them in time. Give it a try. 1. EarnEverything spending more than most on this list is derived from this simple rule: know how much we do, and spend less. It sounds simple, but can fall hard. Once you start to keep track of revenues and expenses, however, you may be surprised at how easy it is. Debt Settlement / Help Debt Consolidation / Debt Settlement Services