The Oxford Dictionary defines habit as:
1. a settled or regular tendency or practice.
2. a practice that is hard to give up.
My money habits are regular negative tendencies that are hard to give up.
Hi...My name is tiredofbeingbroke and I have bad money habits.
I am working diligently on changing those habits.
Spending more than I earn.
Allowing family to use my 'good credit' (this is a whole nother post, don't get me started).
Not educating myself enough on investing and wealth creation.
Well all these things are about to change.