Free Money Finance:  “I’ve said many times that success in managing personal finances is pretty simple: spend less than you earn over a long period of time. If this is the heart of your financial plan, it’s likely that you’ll be prosperous.  That said, there is one other thing you’ll need to do – you must avoid the financial pitfalls that can significantly derail your finances. I call these the worst money moves anyone can make. I’m listing them below in countdown fashion along with some suggestions for avoiding them. Here are the top ten IMO:”