The MSN Money team makes the important point that before you start saving money, you have to stop spending it. Below are 10 common ways that Americans blow their hard-earned cash. Check out the full article here.

1. Buying Brand Names

2. Buying New

3. Accepting Initial Offers

4. Buying a Bigger Home than You Need

5. Paying Interest

6. Eating out too Much

7. Paying for Freebies

8. Keeping Unhealthy Habits

9. Turning Down Free Money

10. Paying too Much for Insurance

Do any of those ring a bell for you? Did they miss anything? Add your top money wasting activities in the comments section below.