Do you waste money?  Here are some things I think we all waste money on:

1.  Bottled Water. Getting your recommended 8 glasses of water a day from a bottle rather than the tap is just a waste of money.

2.  Gym Memberships. By the time you end up paying for that annual gym membership, you could have bought a treadmill and weight set.

3.  Overdraft Fees. These fees can run as high as $35 or even more.  Get a line of credit or keep better track of your spending.

4.  Pay to Use an ATM. Are you kidding me!  If you are a member of any credit union, you can use a COOP ATM at no charge all over the country!

5.  Impulse Buying. Just because something is on sale, or you think it is a deal you just can’t pass up — does not mean you should buy it.  (I do this with clearance clothing racks all the time!)

6.  Buy Name Brand Instead of Generic. Seriously, does it really taste that different.  From groceries to clothing to prescription drugs, you could save money by choosing the off-brand over the fancy label. And in many cases, you won’t sacrifice much in quality.

Most the time, the only person that knows you are wasting money is yourself.  No one looks at the tag on the designer shirt you are wearing or can taste the difference in your spaghetti sauce because of the generic brand of tomatoe sauce you used.