For some people, bankruptcy is for certain. If you are one of them, those overly secure of the thought that they have a regular source of handsome income, so they just keep on spending without keeping track of their expenses.

You’re sure to keep falling off the financial ladder… if you continue spending more than you earn, mindlessly making purchases more than you can actually afford. You absolutely don’t have a shot at getting rich… if you keep making  saving a chore for tomorrow, always thinking that you’d always have money to expect anyway.

There are a number of bad financial habits and ways of thinking that have driven lots of people into the depths of financial ruin. Some of them seem too harmless that you wouldn’t even realize how much it could lead to your economic demise. This article is written to give you a heads up on these habits and pull you up before you reach that depressing pit called “bankruptcy”.