It's all too easy to spend money these days. Conveniences like bank cards, online shopping and auto-pay subscriptions can sometimes lead to careless squandering.

“It reminds me of the old joke, ‘how can I be out of money when I still have more checks?’” says Mitchell Weiss, an executive in residence at the University of Hartford and co-founder of the university’s Center for Personal Financial Responsibility.

But there’s nothing funny about going broke. Improve your financial health by avoiding these six bad money habits.

Related: 7 Costly Money Mistakes and How to Avoid Them

#1: Spending impulsively

Eighty percent of Americans make impulsive purchases and two-thirds of them later regret it, according to a Harris survey conducted for the National Endowment for Financial Education.

We live in a world of temptation, whether it's food, drink or credit, according to Weiss. “But just because you can doesn’t mean that you should,” he says.

If you find it difficult to avoid making impulse purchases, the University of Kentucky suggests these strategies:

  • Don't visit stores or malls unless you absolutely need to make a purchase.
  • If you need to make a purchase, don't shop when you’re hungry or depressed.
  • Before you go shopping, make a list and stick to it.
  • While shopping, stay away from product displays or areas within a store that are most likely to tempt you.

#2: Shopping with plastic

One of the most dangerous financial habits is running up credit card debt, then making interest payments over a long period of time, according to Barbara O'Neill, a professor and specialist in financial resource management at Rutgers Cooperative Extension.

“Research has shown that people spend more with a piece of plastic — a debit or credit card — in their hand,” says O'Neill. “We don't immediately feel the pain of spending money as we do when we take cash out of our wallets.”

#3: Underestimating small costs

Spending $20 once in a while won't break the bank. But spending $20 several times every month could send you to the poorhouse, depending on your income.

Examples of unnecessary services that can add up over time include “cable subscriptions, extended warranties, service contracts for highly reliable items [and] health club memberships,” according to InTouch Credit Union. (Of course, if you actually make good use of that health club membership, it may be worth every penny.)

#4: Ignoring your 401(k)

Many employers will match the contributions you make to your retirement account. Yet one in four employees don't contribute enough to receive all of the matching funds they are entitled to. In 2014, the average employee missed out on $1,336 in employer contributions, according to the investment advisory firm Financial Engines, Inc.

“It is free money and you are leaving it on the table,” says O'Neill.

Related: 5 Ways to Protect Your 401(k) — Including from Yourself

#5: Not saving for emergencies

In today's volatile economy, your job or business might not be there tomorrow or next year. Don't base your budget on the assumption that you'll always have the same level of income or personal health.

Weiss advises setting aside an “emergency stash” in case the conditions of your life suddenly change. “Budgets are only as good as the resolve of those who do the crafting,” he says. “If your budget is predicated on unchanging current-day circumstances, you could be courting disaster.”

Related: How to Create a Rainy Day Fund

#6: Paying yourself last

You'll never build up a nest egg if the first thing you do with your money is spend it. Instead, practice “Paying Yourself First,” a financial planning concept reminiscent of the old sayings: “out of sight, out of mind” and “you don't miss what you never had,” according to Pennsylvania State University.

The process is simple. Before shopping for clothes, writing a check to the power company or going out for dinner, first set something aside for a rainy day, then forget about it. “I personally have no problem with someone buying a fancy $5 cup of coffee every day, if they want to, but do it after you've put money into savings,” says O'Neill.

David Arv Bragi is a freelance journalist and marketing consultant. He has been writing about health and safety issues since the 1990s and currently lives in Portland, Oregon.