Bad habits are hard to break. It is no different with your finances. Just like a bad diet and a lack of exercise these habits will slowly destroy your future. The first step is to be aware then you can begin to change. Are you guilty of these??
1. Not budgeting
2. Making late payments
3.Carrying a credit card balance month to month
4.Spending your emergency fund on non-emergencies
5.Not having an automatic investment deduction form your paycheck
All of these can be changed with a little effort. Try to work on one each month. If you eliminate just one of these bad habits each year you will change your life for the better.