When you can't tell between your wants and your needs.

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One of the most common mistake that a noob will make is getting something they don't need for their army just because it looks cool. One of the most common mistake I made back when I was super ultramarine playing noob, was that I wouldn't care about my army list and just get a special character or a type of infantry that looked cool. It indeed is a sad realisation. The reason I'm pointing this out is because I don't want you good people to waste your money on things that won't need. For example if your have a all bike, fast moving army and decide to get a not needed bulky ironclad dreadnought your wasting your cash! You may not notice it at first, but then one time you see something you do need for your army like another bike squadron or a landspeeder. You then finally realize you wasted your cash on an ironclad dreadnought. (This is also a situatuion where Rogue-Market comes in handy.) That is why only spend money on the necceseties if your army. Then once you finish your army and have the cash you can try painting an ironclad dread for project just for fun. ;)