MSN’s Money Central has got some nice insights into habits that can cause you to be slave to your lenders forever.

1. Misusing balance transfers.

2. Not checking credit reports — you can’t change them anyway.

3. Failing to alert creditors about a financial hardship.

4. Thinking of ‘budget’ as a dirty word.

5. Using retail store credit cards to make use of discounts.

6. Procrastinating on creating an emergency fund.

7. Paying bills in no particular order.

8. Charging purchases instead of paying in cash or with a debit card.

9. Making credit payments late.

10. Making the minimum payment only.

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