1. Spend more than you make
Actually if you only do #1, you won’t have to worry about the other 10. This is the easiest way for anyone to become poor. It doesn’t matter if you make millions or hundreds each month, the same principle applies.
2. Lust after what you don’t have
Desiring something better is not a bad thing, but lusting after it is. Buying things you can’t afford, because you are not content to wait until you can afford it is a great way to stay poor.
3. Never give to anyone
It seems counter-intuitive, but keeping everything to yourself only causes you to have less. Proverbs 57:18 Verily, those who give Sadaqat (i.e. Zakat and alms, etc.), men and women, and lend to Allah a goodly loan, it shall be increased manifold (to their credit), and theirs shall be an honorable good reward (i.e. Paradise).
4. Don’t pay attention to where you money goes
From talking to people about budgeting I find that most of them say they that when they started budgeting it seemed like they had a whole lot more money. They didn’t know where it was all going before they were budgeting. I had a similar experience myself. I said, and really believed, I knew where my money was going, but once I started a budget, I was amazed at how much more money was available.
5. Get a loan for everything cars, a new bedroom set, a vacation ,use credit cards with a 25% interest rate!
Using cash to buy things (especially items that depreciate in value) is the key to breaking out of the “poor” cycle. Ever notice what part of town you typically find the rent-a-centers? It isn’t where the wealthy people live. As Kiyosaki said in his famous book, “Rich Dad, Poor Dad” the poor (and middle class) buy their luxuries immediately and on credit. The wealthy wait, save up and buy it with cash.
6. Wait for the perfect time to start saving
As with most positive life changes we can make, there never seems to be a perfect time. Now is always better than later.
7. Follow the crowd
The older I get, the more I realize that the crowd is often wrong. The crowd is also mediocre. I often have to remind myself the reason I am driving an old (paid off) car, while some of my friends are driving brand new (borrowed) cars is because I am patiently waiting for the reward of avoiding debt. As Dave Ramsey says, “you have to live like no one else today, so you can live like no one else tomorrow.”
8. Don’t worry about the little things, they don’t really add up
God seems to be into the little things. God uses the simple things to confound the wise. Everyone looks to the big things and the flash-in-the-pan, but it seems to be the little things that make the biggest changes. I don’t think it is any different in our financial lives. I mean how else could a family making $35,000 each year retire with millions and a $10 million lottery winner end up bankrupt?
9. Invest your money in things that you know nothing about
We should know where our money is going and why it is going there. Don’t just buy a stock because you got a “hot tip”. Buy a stock in a company that you understand how they make money, which their customers are, and if there is evidence suggesting that the business will continue to thrive. It is always a better idea to hold your cash in a money market account until you understand the investment. Then, once you understand, pull the trigger.
10. Waste stuff – money, food, time.
I remember hearing that “someone who is wasteful is not really thankful.” I am not sure if that is always the case, but as stewards we have a responsibility to minimize our wastefulness.
11.No action.
You have already read all the points above and agreed still you didn’t take any action.
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Stay Poor 
