25 Things You Should Never Do With Your Money
Avoid these big money mistakes and keep more of your cash.
By Roger Wohlner November 6
There is possibly an endless list of things you shouldn’t do with your money. But from bad habits to decisions based on wishful thinking, some of the bigger missteps can really cost you. To find out the biggest money mistakes you should avoid, GOBankingRates asked financial experts for their best advice.
Never Cash Your Paycheck Right Away
If you cash your paycheck right away, you might burn through it too quickly. “You will most certainly spend it all if you cash your paycheck rather than have your employer directly deposit it into your bank account,” said Barbara Friedberg, a personal finance consultant. “Even better is to automatically transfer a percent of your paycheck into a retirement investment account and direct-deposit the remainder into a bank account.”
One advantage of having a workplace retirement plan, such as a 401(k), is that money is automatically deducted from your pay and invested. You don’t see it, so you won’t spend it. You can use a budgeting template to get the most mileage out of your paycheck.
Never Fall For 'Special' Finance Deals You Can’t Afford
Promotional finance offers that provide zero or low interest rates on a big purchase might sound like a great deal — until you wind up paying more than you expected. That’s what happened to Grayson Bell, founder of personal finance website Debt Roundup.
“Don’t finance a new vehicle, or watercraft in my case, based on the low promotional monthly payment,” he said. “I financed a new $10,000 Jet Ski with no money down and no real way to pay for it based on a radio ad promoting a super low $69 per month payment. What I didn’t read was the rate was only for two years, then it changes to include retroactive interest based on the loan amount.”
“Those financing deals can ruin you if you’re only looking at the monthly payment,” he continued. “Go through the math and read all of the fine print. They get you in with the low monthly payments, but keep you paying for much longer than you anticipated.”
Never Co-Sign a Loan You Can’t Afford
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Why Gold Is Falling While Central Banks Keep Buying | World Gold Council’s Joe Cavatoni
Kitco News: 11-13-2026
Gold fell as much as $135 an ounce on Nov. 12 to a new low for the year, even as central banks keep buying.
The World Gold Council estimates central banks bought 321 tons last quarter, but only 120 tons was reported, leaving 63% undisclosed.
Joe Cavatoni, the council's senior market strategist for the Americas, said the most active buyers "are either not reporting or reporting late," and that central banks tend to step in when prices dip. He said gold "overshot" in January and that the pullback is closer to what the council expected.
Rob Cunningham: XRP, the Global RV, and the Architecture of Sovereign Money
11-13-2026
XRP, the Global RV, and the Architecture of Sovereign Money
If the objective is a globally decentralized monetary system built on honest weights and measures, national sovereignty, transparent accounting, and voluntary exchange, then the critical question becomes:
“How can sovereign nations exchange enormous amounts of value, across different currencies and financial systems, without surrendering monetary sovereignty to a centralized intermediary?”
Bruce’s Big Call Dinar Intel Thursday Night 11-12-26
Transcribed By WiserNow Emailed To Recaps (INTEL ONLY)
Welcome, everybody, to the big call tonight. One hour earlier than normal. I hope everybody got the memo. If not, you're listening to the recording, and it really doesn't matter, does it? So, welcome everybody tonight. We're doing the call an hour early tonight because of President Trump's speech at 9o'clock Eastern tonight, and I wanted to complete the call in one hour so that everybody would have an opportunity to see his speech tonight.
Good Afternoon Dinar Recaps,
GLOBAL BANKING RESET WATCH: HONG KONG ADVANCES 24/7 TOKENIZED SETTLEMENT AS DIGITAL FINANCE MOVES TOWARD COMMERCIALIZATION
Hong Kong is moving digital finance closer to everyday commercial use as banks and regulators advance round-the-clock settlement of tokenized deposits and financial assets.
MilitiaMan & Crew: The Digital vs Physical Control Shift You Need to See
11-13-2026
The Crew: Samson, PompeyPeter, Petra, Daytrader, Sunkissed, GIGI and Militia Man
Iraqi Dinar news update for November 12. We are analyzing the latest administrative documentation regarding digital and physical controls.
This update focuses on the ongoing shift toward formal channels as we review the specific papers detailing recent fiscal policy adjustments. By examining these documents, we can better understand how the central bank is managing the technical side of banking operations and the broader adjustments being made to improve operational efficiency within the financial system.
Web3.0 ISO20022: US Systems are Showing Real-time Strain
U.S. SYSTEMS ARE SHOWING REAL-TIME STRAIN
What people are experiencing right now is no longer isolated.
Across the United States, users are reporting:
• Delayed bank transfers and pending transactions lasting longer than normal
• Major carriers experiencing temporary signal instability in key cities
• Stock market volatility spikes without clear explanation
• Payment processors flagging and re-routing transactions
KTFA:
Clare: A report analyzes the dollar crisis: 14 reasons driving the rise of the parallel market rate and widening the price gap in Iraq.
11/12/2026
The head of the “Iraq Future” Foundation for Economic Studies and Consultations, economist Manar Al-Obaidi, identified on Thursday a set of main reasons that drive the increased demand for the dollar in the parallel market, and the pressure to widen the gap between the official and unofficial prices in Iraq.
Reset Intelligence: What Are They Getting Us Ready For?
By Reset Intelligence | @EXIT_FIAT
On Thursday, Microsoft's work email and apps went down across regions, and late into the night it still could not say why. Amazon and Google said their own systems were running normally.
It is the latest break in a month of them. Japan's largest carrier, NTT Docomo, lost phone service twice, and schools across Italy, Ireland, Scotland and Northern Ireland got the same emailed bomb threat.
US Dollar Rises In Baghdad And Erbil
2026-11-12 09:11 Shafaq News- Baghdad/ Erbil The US dollar closed Thursday’s trading higher in Baghdad and Erbil, hovering around 169,200 dinars per 100 dollars.
According to a Shafaq News market survey, the dollar traded in Baghdad’s Al-Kifah and Al-Harithiya exchanges at 169,250 dinars per 100 dollars, up from the morning session’s 169,150 dinars.
Good Morning Dinar Recaps,
GLOBAL DEBT RESET WATCH: U.S. TREASURY SELLOFF INTENSIFIES AS 10-YEAR YIELD SURGES ABOVE 5%
Rising inflation, growing expectations of Federal Reserve rate increases and mounting government borrowing pressures are pushing U.S. Treasury yields higher, highlighting the growing challenges facing the global debt system.
TNT:
Tishwash: The oil and gas law is still in the government's drawers, and a member of parliament is calling for it to be sent to parliament.
Qaisar Al-Jurani, a member of the Oil, Gas and Natural Resources Committee, confirmed on Wednesday that the draft federal oil and gas law is still in the government's drawers and has not been sent to the House of Representatives in its final form, despite its importance in regulating and managing oil wealth in Iraq.
Al-Jurani told Al-Mada that enacting the law has become a national necessity, especially to regulate the oil relationship between the federal government and the Kurdistan Region, and to define the powers of managing oil fields, production and export mechanisms, contracts and revenues, in accordance with the constitution and to preserve the rights of all producing governorates.
KTFA
Thursday Night Video
FRANK26…11-12-26….14th….I DON’T CARE
This video is in Frank’s and his team’s opinion only
Frank’s team is Walkingstick, Eddie and Omar in Iraq and guests
Playback Number: 605-313-5163 PIN: 156996#
A Report Analyzes The Dollar Crisis: 14 Reasons Driving The Rise Of The Parallel Market Rate And Widening The Price Gap In Iraq
Shafaq News - Baghdad The head of the “Iraq Future” Foundation for Economic Studies and Consultations, economist Manar Al-Obaidi, identified on Thursday a set of main reasons that drive the increased demand for the dollar in the parallel market, and the pressure to widen the gap between the official and unofficial prices in Iraq.
Good Afternoon Dinar Recaps,
GLOBAL ASSET RESET WATCH: EUROPEAN STOCKS HIT RECORD HIGH AS STRONG EARNINGS AND LOWER ENERGY COSTS SUPPORT MARKETS
Europe's record-setting stock market reflects growing corporate strength, easing energy pressures and shifting global investment patterns as financial markets continue to adjust to changing economic conditions.
Friday Night Video
FRANK26…..11-13-26…..THE GAP / THE APP
This video is in Frank’s and his team’s opinion only
Frank’s team is Walkingstick, Eddie and Omar in Iraq and guests
Playback Number: 605-313-5163 PIN: 156996#