1. Overpaying for coffee each morning.
2. Paying ridiculous ATM fees.
3. Buying things you don't need.
4. Paying interest on your credit card balance.
5. Not paying for things in cash.
6. Paying those subscriptions each month.
7. Not putting enough money into savings.
8. Using too many credit cards.
9. Not automating your bill payments.
10. Buying lunch every day.
USAA means United Services Automobile Association and its affiliates.