However you have to think that this is not by design and is more by not understanding where they are going wrong, which is why it is important to explain the how to mess up your finances, it is hoped that by seeing these points it will therefore trigger the some sort of response.

Here is how to mess up your finances without really trying:

Avoid setting goals and targets
Be impatient, want everything now
Be grateful for destiny and good luck
Always pay the asking price

These are sure fire ways to watch your cash disappear.

Source [eHow]