My number one bad habit is procrastination. I was SUCH a procrastinator in school. I even did a study on it in one of my courses comparing grade average and level of procrastination. I was never burned by it (other than lack of sleep) and so never learned my lesson. I still procrastinate most thing, but I'm working on it and getting better. However I'm still not complete that quilt...
I also eat mindlessly OFTEN. I'll sit at my computer and have chips next to me and before you know it they are all gone and I don't remember eating THAT many. Same goes for chocolate chips, cookies, pretty much any snack food.
I go to bed too late. It's rarely before midnight and sometimes I receive calls to work at 5:30. It disrupts my sleep patterns. It's a hard one to break, I'm most awake at night and feel like it's the time I can get the most accomplished.
As for money bad habits I guess not investing would fall under procrastination, and I used to buy things I wouldn't use. I have a dress, a couple of shirts and a pair of jeans all still with the tags on them. I am getting better at that one now too.
Do you have any bad habits, personal or financial?