What are those money habit that can keep one broke

Any habit can be good or bad to your savings or investment. The main thing to remember here is. Don't spend morethan you earn. As simple as that.

spending more

Any bad spending habits indeed.

Spend before saving

The same here and buying sweets I don't need!!

Besides gambling, smoking and drinking? Christmas.

My mother used to tell me a fool and their money are soon parted. As a child I would visit a sweet shop or a toy shop and come home with no money. Now I have paid off a mortgage and I am 45 years old I have learned the value of saving money. I have seen a man on television who was hooked on gambling. He and his wife sold their house and he took proceeds from that and gambled with it. This was totally without her knowledge. He even used his work credit card. His boss gave him the sack from his job when he realised it was him gambling. He went on to borrow money from his own elderly Mother. When his wife found out that a lot of their house proceeds were gone she broke up with him. Credit cards are an easy trap for any adult to fall into. Imagine having 10 credit cards that each need paying. If a person pays the minimum amount then the debt could last for many years.