MSN Money presents ten money mistakes and how to avoid them.

* Spending without a budget.

* Carrying a balance on credit cards.

* Ignoring interest rates.

* Not investigating disability insurance.

* Failing to see how little purchases add up.

* Not matching employer's contribution to retirement.

* Waiting until the last minute to fund IRA.

* Paying everyone else, saving "what's left."

* Not managing your investments.

* Getting emotional about your investments.

This is a really good list of money mistakes. I've made them all, and continue to make some of them (little purchases add up, waiting til April 15, 2007 to fund my 2006 IRA).

Heed these, and you will do much better financially.

Among the financial documents you should keep are obvious ones like your will, power of attorney, and pay stubs (but only for a short time period like a year on this last item). Read more at the link.

1. State sales taxes.

2. $250 educators' expenses.

3. College tuition.

4. Student loan interest paid by mom and dad.

5. Out-of-pocket charitable contributions.

6. Moving expense to take first job.

7. Military reservists travel expenses.

8. Child-care credit.

9. Estate tax on income in respect of a decedent.

10. State tax you paid last spring.

11. Refinancing points.

12. Reinvested dividends.

13. Jury pay paid to employer.