Money is one of the biggest stressors for married couples, especially if one or both partners have bad spending habits and a lot of credit card debt.

While a certain degree of financial independence is good in a relationship, some individuals will actively hide purchases or debt from their spouse, either because they don’t want them to worry or they don’t want them to know what they’re spending that money on.

Carrying debt such as loans, medical bills, and credit card balances can have lasting negative effects on your financial health, especially when your inability to pay it off leads you to bankruptcy.

It’s best to practice smart money management so you don’t land yourself in financial trouble. Here are a few common financial habits that increase long-term debt, and should be avoided whenever possible:

1. Paying Only The Minimum On Credit Cards

You’ve probably noticed that the minimum payment on your credit card is significantly lower than your total balance. If you only pay that minimum, the interest you accrue on the remaining balance will only set you further back on your debt. To avoid interest accrual once your card is paid off, only charge what you know you can fully pay off in one or two statement cycles. Until then, pay as much as you can comfortably afford.

Research by federal debt consolidation firm Consolidated Credit on how students today rely on credit cards found that 63 percent of college students say they’ve made a purchase without having the funds to pay the bill.