If you're like most Americans, you've probably used credit when cash was short or splurged on a luxury instead of saving for a rainy day. Once in a while, this may not be a big deal. Yet if these bad money moves become habit, you could be in trouble. Could your financial habits use a makeover? Sullivan notes the following eight money moves to avoid: • Not budgeting: This is an easy one, yet few people actually track their monthly income and expenditures, resulting in overspending or under-saving.