Positive thinking is one thing, belief of yourself getting lucky is another. It adds up quickly. I know a friend who spends $2000 a year on lotto tickets. He was contributing to the state education. At least he found a self-comforting noble cause.
Credit Card Interest
Credit card is good for building credit (if you plan to buy a house or a car) if you pay off your monthly balance on time. It is also very convenient. For example, it can save you time if you fill up at a gas station. However, if you constantly have interest to pay, it’s a sign that you are probably spending more than you can afford.