We all make mistakes. Sean Spicer tweeted the White House twitter account’s password to its 13.9 million followers twice. Warren Beatty announced the wrong film for best motion picture on national television at the Oscars. At least we have the luxury of not having the world as our audience when we screw up, but that doesn’t mean our mistakes don’t have consequences. When it comes to our finances, small errors have the potential to do great harm. Make sure you aren’t guilty of the following bad habits to make sure you meet your financial goals.

Not Sweating the Small Stuff

We think nothing of that vending machine candy bar or that small coffee from Starbucks. It’s hard to consider the greater financial impact of something that costs less than $5. On their own, you won’t notice the dollar or two they cost, but once you add up all of these charges in a year, they can amount to much more than $5. Try to avoid making these impulse purchases regularly, and start seeing the pay-off.

But it’s not just the pick-me-up of sugar and caffeine you have to look out for. Take a look at the monthly charges you have to pay for withdrawing cash from an ATM or missing a credit card payment. Many of the fees your bank charges are easy to avoid once you familiarize yourself with your account and the organization’s practices. You don’t even need to speak with an advisor to figure this out. Simply going through your accounts and looking for these fees will reveal any unnecessary charges you’re paying.

Not Making a Living & Breathing Budget

Most people don’t enjoy making their budget. It can be a tedious and frustrating task, so once it’s done, many of us choose not to revisit it. This is a mistake financially successful people simply don’t make. They know their plans have to evolve as they live their life, so they’re constantly reviewing their budget and their goals. If it’s been a while since you’ve dusted off your budget, it could be time to look over it again. Give yourself time at least once a year to adjust your plan according to the changes in your life, accommodating for a new marriage, a new job, and new expenses.

Not Using a Line of Credit

Even financially successful people rely on outside assistance from time to time. A loan can help fill in the holes of an otherwise well-balanced budget, but a small cash advance isn’t always the right tool for the job. When you need to make multiple purchases over a longer period of time, you can’t stretch a small dollar loan to last as long you need. And if you’re close to living paycheck to paycheck, its short term can be hard to accommodate.

A personal line of credit can make up for what a loan lacks. While you can still limit its size to $1,000 by speaking with a lender like MoneyKey, you can free up some of the strict terms surrounding its payments. As you can see when you check out Moneykey.com/line-of-credit-loans-online.php, you’re only responsible for a minimum payment that’s determined by how much of the line’s limit you’ve used. That means you can keep your credit untouched for as long as you want without any penalties, and once you do, you won’t have to repay all $1,000 and jeopardize your budget.

Money management mistakes are easy to make, but they can be just as easy to correct. Take a look over small charges, review your budget, and look into personal lines of credit. It may seem bleak at the start, but once you start making these small changes, your financial outlook may change completely. Avoid these common errors and see the benefits to your finances!