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"Bad Money Habits You Should Change Now"

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Purchases unknown to the other half of the marriage can often lead into big fights. However, it will also be annoying to talk and ask permission about every expense you are willing to make.

Set a certain amount in which any purchase above that must be discussed first. You might not make a big deal about a $10 purchase, but if your spouse suddenly makes a $2,000 purchase, you can feel upset about it. Discuss a number you're both comfortable with.

Bad money choices and financial habits are hard to change, and sometimes when it comes to our finances, we can be our own biggest enemy.

Bad habits are sometimes hard to fix because we didn't even realize doing it, and unconsciously sabotaging our own finances.

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Here are some bad habits you might not know you are doing:

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1. Losing Receipts

Receipts or receipt copies will be useful when it's time to pay your taxes. Sometimes it can lead to hundreds of dollars in write-offs. Many of us throw receipts away or put it at random spots only to lose it later.

Keep an organized file or a place to put all your important receipts. Medical bills, doing charitable actions, or car registration are a few examples of receipts you can substantiate during a tax time.

2. Retail Therapy

Although a managed shopping spree can be beneficial for your mental health and happiness, it can also tempt you of overspending

To avoid this, set aside a separate account for your spending needs, so even when a retail therapy is needed, you won't exceed your budget and ruin your savings plans.

3. Changing Hobbies Constantly

We all know hobbies can be very expensive, especially when certain expensive equipment are needed. If you're changing hobbies all the time, you'll end up purchasing all the expensive equipment you'll only use once or twice.

To avoid this trouble, rent or try to find second-hand equipment until you can see that you will be committed to this hobby.

4. Envy

Our biggest unhealthy finance habit is to compare ourselves, and our things with somebody else. We will never whether they just got an early inheritance, got lucky in an investment, or actually are stretching beyond their means.

Being envious of others is not only a bad thing but also unhealthy for your personal finances and health.

5. Late Payments

It is one thing if you don't have the money to pay the payment, but when you completely forgot to check your credit card or bank statements and ends up needing to pay late charges, you can lose hundreds of dollars in the process.

There might also be recurring charges for items you don't use anymore or incorrect statements you can dispute. Make sure to check your statements and pay on time.

6. Postponing Savings (or 401(k))

This is a bad habit we all make. We tend to focus on making more earning and 'have enough' before we start our savings. Bad news, as the old saying goes: enough is never enough.

Delaying your savings and 401(k) contributions can be very costly in the long run.

7. Throwing Away Things

With many online platforms to sell used things (in good conditions), throwing perfectly good (or mostly good) unused items can make you lose a lot of potential money in the process.

You can also give them to charity to take a charitable tax deduction later on.