Running thru Life... 50 good Money Habits

I found this on MSN.com one day while I was browsing. 
Interesting.....
The ones is yellow are one's we currently do!
The ones is red are one's we do not do.
The ones in blue do not apply. 
The ones in orange I feel we can do better.

Just to get you thinking.....

Hopefully, you have a lot of good personal-finance habits too. How many of these apply to you?

• Taking advantage of your employer's flexible spending account.
• Tracking your income and expenses.
• Being careful not to overspend on gifts.
• Paying attention to mortgage interest rates -- even after you buy a home.
• Never buying anything on impulse.
• Opening your bills when you get them.
• Paying your bills online when possible.
• Doing your research before purchasing extended warranties.
• Ignoring credit card convenience checks that come in the mail.
• Saving part of your income for retirement.
• Keeping the money in your wallet to a minimum.
• Spending less than you earn every month. File this one under "D" for "Duh!"
• Having an exit strategy when investing.
• Never assuming past performance guarantees future results.
• Taking advantage of automatic paycheck deductions.
• Reading all contracts before signing on the dotted line.
• Planning your dinner menus in advance.
• Reviewing your credit card statements for errors and erroneous charges.
• Keeping a budget. Because for most folks, when it comes to managing their money, failing to plan is the same as planning to fail.
• Faithfully following your budget.
• Increasing your 401k contributions every time you get a raise.
• Properly maintaining your car.
• Paying the bills on time.
• Taking advantage of coupons and Internet promotional codes as often as possible.
• Refusing to pay the minimum on your credit card bills each month.
• Using your credit card to buy things only if you can pay it off in full at the end of each month.
• Leveraging "good debt" to purchase things that have the possibility of increasing in value or providing a path to a higher income in the future.
• Never hoping for an inheritance to solve your money problems.
• Avoiding the use of payday loans to cover temporary financial shortfalls.
• Not relying on Social Security as your primary source of retirement income.
• Avoiding the lottery. There is a reason why the lottery is known as the "stupid tax."
• Setting, and then regularly reviewing and updating your savings goals.
• Never overpaying for insurance.
• Resiting the urge to float checks right before payday.
• Fully understanding stocks and other financial instruments before investing in them.
• Avoiding cigarettes.
• Avoiding wasted time clipping coupons you'll never use.
• Ignoring the temptation to keep up with the Joneses.
• Buying a new car -- or better yet, a newer used car -- and keeping it for at least 10 years.
• Remembering to comparison shop whenever possible.
• Regularly checking your credit report for errors, signs of fraud and identity theft.
• Optimizing your 401k account every year.
• Negotiating whenever the opportunity presents itself.
• Ensuring your retirement needs are taken care of prior to providing for your children's future.
• Avoiding frugality as a primary means to achieve prosperity.
• Occasionally rewarding yourself by splurging.
• Maintaining an emergency fund.
• Resisting the urge to tap your emergency fund for nonemergencies.
• Avoiding interest payments whenever possible.
• Treating your household like a business.

Any that stick out in your head:?