20s
- Not saving anything
- Going out every weekend
- Catalogue Debt
- Fast fashion
- Store cards
- Buying the latest tech
- Living in my overdraft
- Payday loans
- Constantly buying new clothes

30s
- Not asking for payrises
- Takeaways & convenance food
- Multiple credit cards
- Letting my savings sit in low interest accounts
- Letting contracts end and incurring fees instead of negotiating early (for eg. sky TV)

Thank me later 👋