When you don't plan ahead, you end up having to buy out of convenience. For example, buying a more expensive lunch on the go.

When you buy sale items without intention, you end up spending money you may not have spent at all.

Incurring interest on loans can become an expense that costs you daily.

Buying low-cost, poor quality items might save you money short term, but you end up spending more if you have to keep replacing them.

Spending subconsciously through auto-charge can be a waste of money. For instance, a gym membership. Other things could be hot products you've heard rave reviews about or items you pick up on an impulse.

Being disorganized can cause you to waste money on things you already own.

Late payments that incur fees and penalties can be costly.