When it comes to saving money and having enough money to pay your bills and even put something back for a rainy day, there are a number of things that you might be doing that are hurting your chances to do well financially. The worst part is that you may not even realize that you are doing anything that is hurting your finances. Below are a list of things that most people are doing that are killing their finances and in many cases, they have absolutely no idea that they are doing anything that could be causing a problem.

1) Not keeping a written budget- This is one of the worst things that you can do because when you do not keep track of what you are spending and how much you are making, you are almost destined to make mistakes with your money. You might be spending far more than you think you are and this could cause problems for you both now and in the future.

2) Not planning for the future- If you fail to plan adequately for the future, you might find yourself not having enough money to pay for the things that you need.

3) Spending more than you make- This is a mistake that a lot of people make and they do it completely by accident. It is largely related to not being prepared and simply not managing your finances well. However, it is also something that can get you in trouble very quickly.

4) Credit cards- If you have one or two credit cards and you only use them for emergencies, this is a good practice but if you have a lot of credit cards and you are constantly charging on them, you are spending a lot more money than you need to. Limit your credit card use or eliminate it altogether.

5) Student loans- Most people have to have student loans, at least to some degree in order to get an education but you should always explore all of your other options first because you will end up paying so much money back in interest that you might easily find yourself in over your head for decades after you graduate.

6) Living beyond your means- This can mean a lot of different things, but generally you should only buy a car or get a mortgage when you know that you can actually afford to comfortably make the payments that will be required for them. In addition, if you cannot afford to buy a lot of extra things, make sure that you keep your spending in check until your financial situation improves.

7) Shopping- Most people enjoy having an opportunity to go shopping, but if you are already on a budget and you do this on a regular basis, you might find yourself having financial problems simply because you are spending too much on things that you do not absolutely have to have.

8) Eating out- This is something that can quickly destroy a budget. Eating out is expensive and even if you are only buying a meal for two, you can reasonably expect to pay no less than $35 to $40 every time you do it. Instead, spend that money at the grocery store and cook more at home. If you reserve eating out for special occasions only, you will enjoy it more and save more money at the same time.

9) Going to the movies- This used to be a cheap way to go out on a date or have fun for an evening. However, the cost of tickets coupled with the cost of refreshments makes going to the movies something that easily costs up to $25 to $30 for each person. Instead, rent a DVD and make your own popcorn at home. You can have just as much fun and spend less than a third of what you would spend on going to the movies.

10) Skimping on insurance- Many people that are on a tight budget choose to get by as cheaply as possible when it comes to buying insurance of virtually any kind. This can actually cost you more money in the long run because if a situation occurs where you need that insurance, you cannot count on your discount policies to get you the help that you need. This results in you spending more of your own money in order to get back on track. Instead, find good insurance policies and make them a priority even if that means cutting other things out.