1. Refusing to think about money seriously...

What if you refused to pay attention or think about where you were going when driving. You might get lost and have accidents more often, right? Well the same is true of money naturally, but nonetheless many people just don't like to pay attention to it or think about financial matters. It may be that something from their past has caused them to think it isn't right to think about it, but the results are continual trouble, so give it some thought right now and regularly.

2. Valuing appearances over understanding reality...

Want to look wealthier? Go get a loan and buy that new car. But if you want to actually be wealthier, that's the worse choice you can make. It may surprise you to know that 40% of millionaires buy used cars, but this certainly isn't just a lesson about buying automobiles. Building wealth and using your money wisely is the deeper lesson. In fact, you might not guess who around you is a millionaire, since many do not go for appearances. Quit trying to create the illusion and start working on the reality of creating wealth.

3. Blaming...

Often a person is partly right about whose fault it is that they are broke or facing financial problems. Unfortunately for them though, blaming outside forces it is the absolute worst approach to overcoming their troubles. To blame is to give away power to others and to outside factors. Look at what your role in the problem is and what you can do to correct or improve things.

4. Thinking you get more with debt...

Yes, you can have more things right now by putting them on your credit cards, or taking out a home equity loan. But this makes everything more expensive, and if you pay more for everything you buy, doesn't it make sense that over the course of you life you can't buy as many things? Not only do you get better prices for cash, but you also save the interest charges. Use debt for homes, business and investments, and pay cash for everything else you buy.