©Shutterstock.com Personal finance gurus Rachel Cruze and George Kamel recently released a video about things to stop doing with your money in 2025. In the video, they covered some key bad money habits people often fall victim to, many of which require some degree of work to break.Read Next: 5 Frugal Habits Suze Orman Still Follows Even Though She Can Afford Almost AnythingExplore More: 3 Things You Must Do When Your Savings Reach $50,000If you want to improve your own financial habits and start 2025 right, here’s what Cruze and Kamel suggest you stop doing right now.Also see 10 frugal habits to start now for a full emergency fund in 2025.If you’ve been putting your financial goals on the back burner, it’s time to make a change. Don’t wait to do something good for your finances. Do it as soon as you can.According to Kamel, people often say, “I’ll just do it next year, I’ll get to that later or I’ll save when I’m older.” But this can be problematic since, in most cases, working toward and achieving those goals takes time. The longer you wait to get started, the harder it is to get to where you need to be.Find Out: I’m a Financial Advisor: 10 Most Awesome Things You Can Do for Your Finances in 2025Cruze pointed out that many people don’t really know what’s actually in their bank account when making a purchase. This ties in to the concept that ignorance is bliss, but it’s a problem when the money simply isn’t there — or should have been saved for something more important.Kamel gave the example of someone who says, “I don’t want to look at my bank account because I don’t need that negative energy in my life.” This leads to avoidance rather than a tangible solution.Judson Brewer, a psychiatrist and doctor, told Chime that financial avoidance tendencies stem from survival instincts, in which we try to avoid pain and seek pleasure. In fact, unexpected bank fees, including overdraft fees, affected 20% of Americans in 2023, per a Chime study.As a general rule of thumb, you should have between three and six months’ worth of living expenses set aside in a separate account for emergencies. Even if you’re not there right now, even having just $1,000 or so can help in smaller emergencies.The problem, as Cruze pointed out, is that many people consider their credit card to be their emergency fund.“Here’s my theory,” she said. “I don’t think people always are like ‘Oh, yeah, the credit card companies are for me.’ I don’t think they always think that. I think they believe [they] have no other option.”It’s essentially like viewing your credit card as a last line of defense if something comes up. The better habit, however, is to start saving up for the unexpected.A lot of people will buy something because it’s on sale, even if they don’t really need it or have the funds.“Just because it’s on sale doesn’t mean it’s a good deal,” Kamel said.In fact, according to Maps Credit Union, retailer
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