7. “If I Get a Raise, I Can Plan My Finances Better”

As employees, we love the very mention of a raise, as long as it is monetary. As this takes time and a lot of hard-work, do not rely on this at all. A raise can be only a small fraction of our expenses. So, if you are counting only on this, then drastically reduce your other money outflows. Keep such bonuses and perks as add-ons for special occasions. Work for passion and not just money. If you work only for money, your work will suffer. Remember, if you work hard today, your perks, both monetary and non-monetary, will go up in the future.

8. “I Have an Awesome Investment Tip”

If you hear someone say this, don’t believe it. Most of such statements are only hear-say. If one has an awesome investment tip, he/she will save it and not dispense with this type of information. When it comes to investment, remember that only you are your friend. Depend only on genuine stock advice and suggestions. If you can’t afford a financial planner, then seek the help of various investment related talk-shows on TV. They might not be 100 percent accurate but will give you the required platform and guidelines.