Honda Accord 2006 4 Cylinder massive fuel consumption?

My Honda Accord 2006 4 Cylinder consumes fuel so much. What could be the cause of this

Brakes binding
Old and worn out engine
Poor driving style
Maybe its normal for that car
Carrying a lot of weight
Using the aircon a lot of the time
Poor regular maintenance
Tyre pressures too low

Could just be the loose nut behind the wheel.