It’s really easy to have good spending habits if you’re sitting in a comfy chair in your living room reading a book from the library. It’s really easy to have good spending habits if you’re in the midst of a hike in the middle of nowhere. It’s really easy to have good spending habits if you spend the day in the garden.

The problem is that our lives don’t always guide us into those situations all the time. We’re not always in a situation where we’re free of influences that can nudge us away from good spending choices. In fact, much of modern life is full of things that nudge us toward bad spending habits and away from good financial practices.

Here are twelve of these things and how to watch out for them and minimize them in your life.

Sales

Something that you don’t need that happens to be on sale is still something you don’t need. If you don’t need…

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