13. Not having a plan for debt repayment

If you have debt, it’s important to come up with a plan for repayment. Consider talking to a financial advisor or using online tools to create a debt repayment plan that works for you.

14. Not taking the time to negotiate for better interest rates

If you have a loan or credit card, take the time to call up your lender and negotiate for better interest rates. This can help you save money in the long run.

15. Not having a plan for long-term savings goals

It’s important to have a plan for long-term savings goals, such as retirement or college tuition. Consider talking to a financial advisor to come up with the best strategy for your situation.

Breaking bad money habits can be difficult, but it is essential for anyone looking to get their finances back on track. By following the tips above and taking the time to review your financial situation regularly, you can start building a strong financial foundation and setting yourself up for success in the coming year.