1. Gamble in Casino. Sure, some people get lucky. But most of us blow a wad and leave feeling like reckless morons.

2. Spend your spare time visit the bargain stores. It doesn't matter if you don't actually need anything. You'll find something to buy.

3. Shop hungry. It's amazing how much extra food you'll throw in your cart.

4. Draw more money out of the ATM than you need. If you get $20, you'll spend $20. If you get $40, it will disappear just as quickly.

5. Become an impulse buyer. See something in a shop window, grab it immediately and worry about the cost later.

6. Pay bills late. That will eat up some serious cash in the form of late fees and interest rate hikes, and sometimes will damage your credit rating.

7. Lend money to people who won't pay you back, even when they say it will be different this time.

8. Go to a fair or carnival and buy lunch from a concession stand for your family: $8 for a hot dog, $4 for a can of Coke. Multiply by number of family members.

9. Buy complete albums instead of cherry-picking the songs you want from a music download site.

10. Buy food, throw it in the back of the fridge or in the vegetable crisper and forget about it. Then, a few weeks later, you can throw it away. Cash in the trash.

11. Become completely disorganized and forgetful. You have no idea how quickly you'll spend money if you are buying things that you already have.

12. Ignore special offers and coupons. Why pay $3 for an item when you can just as easily pay $5?

13. Take your car in for an oil change , get yours done every 3,000 KM. True, modern engines and synthetic oils mean most vehicles can do 5,000 to 7,000 KM between changes, but so what.

14. Use credit cards without paying off the balance in full each month. You will rack up some delicious interest.

15. Fly first class. You'll get to your destination at the same time as the folks a few rows behind you, but you'll pay substantially more for some legroom and a nicer meal.

16. Never read a contract. Ever. You will later be taken by surprise with all sorts of fees and penalties. And legally, you signed on the dotted line so you're obligated to pay them all.

17. Buy a monthly gym membership, work out once, then sit at home for the next year and watch TV.

18. Buy in bulk stuff you'll never be able to use or consume before the sell-by-date.

19. Smoke. If you go through one pack per day, you'll literally burn more than $3,000 per year.

20. Before start work, pick up a grande half-caf, double-mocha-vanilla-chai-peppermint cream coffee from Starbucks or any other "premium" coffee chain. That's an easy way to blow up to $5 on something that should cost you only pennies.

21. Buy bottled water. It's dollars for a bottle, pennies from the faucet. And let's not forget the environmental costs of bottled water either.

22. Oh, and why not speed as well? You'll get a big fine and a few points on your license just to get somewhere a few minutes quicker.

23. Don't take care of your teeth, and avoid dental checkups and cleanings. You'll save a little money at first, but worry not: The dentist's fees will come pouring in when your mouth looks and smells like the inside of a garbage dump.

24. Play the lottery. Sure, there's a roughly 1-in-120 million chance you could bag the jackpot, but it's a slim chance. Even the odds of winning just a lousy $10 are about 1 in 35.

25. Never question a dubious charge or bill. If in doubt, let the restaurant, grocery store, cable company, phone company or any other mega-corporation keep the money.

26. Buy brand-name everything. Yes, many of the store-brand products are repackaged brand names at lower prices, but why pay less?

27. Buy a new car. It loses about 20% of its value the second you drive it off the lot.

28. Don't turn off the lights or appliances. Keep them all going, even when you're out of the house. That should push your electricity bill way up.

29. Don't read any personal-finance book. But as you're reading this, maybe you will end up saving some money today.

Lastly - and the most important one :

30. Give all your money to me :)