- by C.C.
Spending too much on too little
The little things — coffee, cigarettes, eating out— really do add up. Daily trips to Starbucks will cost you almost $766 a year, and that’s just for black coffee.  Americans go out for lunch on an average of two times a week, which adds up to nearly $1,000 a year. 
How to avoid it: Brew your own coffee, pack your own lunch, and find free ways to give yourself a little pick-me-up. The temptation will be strong at first, but once you break the habit it’s easier. And the savings are immediate — every single time you resist, you save a few bucks.