Welcome to a successful year with a financial goal?

Don't forget to control carefully by eliminating these bad money habits which affect to your goals.

Here are seven of the worst things you could do with it:

1. Leave your debt for tomorrow.

Student loan debt in particular is often blamed for preventing young people from buying homes and growing their wealth — and that doesn't even touch on debt like car loans or credit cards.

Not only is debt a financial burden, but it can be emotionally taxing to carry around. A bonus can be a great way to start aggressively tackling whatever version of debt you may have.

2. Spend on the wrong things.

Invest in things that have value. They don't have to be big purchases, either. There are several everyday items that can pay for themselves, and you'll want to be careful of skimping on things like mattresses, computers, and more.

3. Not get a head start on investing.

If you have a head start on investing already, you'll want to revisit those investments when you get a bonus. As your money grows, the original portfolio you created may no longer suit your needs. Get in the habit of revisiting it every year and adjusting it to fit your current situation, which is known as "rebalancing."

4. Not set aside money for big upcoming purchases.

There are bound to be big expenses in your future — a home, car, vacation, or kids, to name a few — that require diligent savings.

The best way to prepare for these expenses is to create savings goals, and then set aside money as early as possible. Use your bonus to jump start these goals, or add to previously established ones.

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