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Spending money can be fun, and some less-than-desirable money habits feel good in the moment. But when the bills arrive, reality hits, and the grin becomes a grimace.

Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. Many of the worst financial habits are also the most satisfying. Whether it is a brand-new gadget, an overpriced dinner, or a car that shines but guzzles gas, people often take pride in purchases that do more harm…