turn on your lights

A Canadian study from 1994 found that people who drive with their headlights on during daylight hours have an 11 percent decreased risk of being in an accident with another automobile.

From: menshealth.com

20% credit cards

If more than 20% of your monthly net income is going to pay credit cards and other loans, there are signs of financial problems in your future.

From: moneyandstuff.info