13. Expensive Alcohol and Nightlife

A night out can be fun, but borrowing money to pay for drinks, clubs and entertainment is a poor financial decision.

The money is gone as soon as the night ends, while the debt remains.

You do not need to match the spending habits of your friends.

If your budget allows for entertainment, enjoy yourself. If it does not, choose a cheaper activity or stay home.

There will always be another weekend.