Turn Bad Money Habits Into Good Ones

Don't...  Ignore news about the economy
  Do... Watch some business news on cable TV

Don't... Buy lots of extra features on products 
  Do... Use marginal costs in buying decisions

Don't...  Focuses only on take-home pay
  Do... Sign up for employer tax advantaged savings plans 

Don't... Spend all your income
  Do... Put money away for a rainy day

Don't... Combine all your marital funds into one account
  Do... Consider having 3 checking accounts:  joint, his, hers 

Don't... Don’t know how much to save for retirement
  Do... Begin investing as soon as possible

Don't... Rent an expensive apartment 
  Do... Spend no more than one-third of your budget on housing