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10 Ways You’re Wasting Your Money

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Have you checked your savings account balance lately?  What?  You don’t have a savings account?  What about retirement?  Some experts say to have at least three to six months income in an emergency fund.  Don’t think you make enough money to have a savings account or an emergency fund?  Think again.

Do you think you waste money?  AskMen.com has put together a list of the ten ways you’re wasting money.

10.  Paying interest.  Keep your credit score high so companies are willing to give you lower interest rates.  The best way to avoid paying interest is to not use credit.

9.  Bottled water.  According to AskMen, bottled water is a total waste of money, tap water masquerading as something exotic.  Only consume bottled water on a trip to Mexico or in the event of a future Mayan apocalypse.

8.  Health supplements.  According to the website, most of them are useless.  They say you’re best off getting your nutrients through food, and food you cook yourself, is even better.

7.  Tax rebates.  Know your tax codes and understand your deductibles.  Don’t give Uncle Sam a dime more than is legally required.

6.  Wasting food.  Budget your grocery list so that you’re spending just the right amount of money on food and not buying more than you can eat.

5.  Cable TV.   AskMen says to cut down on watching TV and get more exercise.  If you must watch your favorite show, check out the alternatives to cable.

4.  Coffee shops.  Learn to make yourself a good cup of coffee.  You could even invest in a home coffee machine.  It could save you hundreds of dollars in a year.

3.  The lottery.  According to AskMen, stop playing and put your money in a savings account, IRA or stock portfolio.  You are not going to win the lottery.

2.  ATM fees.  Using an off-brand ATM can cost you as much as $3 per transaction.

1.  Cigarettes.  It’s not unheard of for heavy smokers to spend more on cigarettes each month than car insurance or even groceries.  AskMen points out the health risks and gives you tips on how to kick the habit.

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