- Never save
- Avoid putting anything into retirement
- Never plan for any emergencies to happen
- Take on as many payments as you can! The more money you have promised to other people the better! Here are some places to start:
- Car
- House
- Boat
- Furniture
- Appliances
- Credit Card
- Student loans
- Personal line of credit
- Borrow from family
- Expensive vacations you already took
- Just sign up for the payment option instead of buying outright anytime this is an option!
- Spend way more than you make
- Go out to eat for as many meals as possible/avoid cooking
- Drive vehicles that require a lot of gasoline and maintenance
- Go back to school for a Masters degree you can't pay for
- Shop for new clothes at least every week
- Manicures/Pedicures on the regular
- Don't forget about your hair
- Starbucks/fancy coffee daily
- New iPhone every year
- Extravagant birthday and Christmas gifts for all your loved ones (but let the birthday/holiday "sneak up" on you so that you forget to put aside any money ahead of time; this gives you a chance to use your credit card)
- Never take on an extra job or freelance work
- Listen to the advice of your broke friends
- Pay full price for every purchase/never shop around
This is just a starter list. What else can you add? There are endless ways to stay broke!
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