I cringe to read this list:
I currently count myself as having about 5 of these:
3) Eating out often
9) Overweight/No Exercise
17) Doesn’t budget
18) Couldn’t tell you their monthly expenses
23) Quick to pick up tab and tip
But I used to have many more, about 14 or 15. I'm proud of my progress, but temptation is always there... especially with gadgets!