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Money Hungry: Daily habits and buying tendencies can sink your immediate finances

You probably don't put a lot of stock, from a financial standpoint, on that $4 cup of Starbucks coffee that you drink each day. But, if you were told that coffee conundrum costs you $1200 per year, you might think twice about that next sip.
Items such as a cup of coffee or a bottle of diet soda probably don't get much attention when it comes to your personal finances but even the smallest items can have a big impact on your bottom line. Truthfully, very few consumers bother to pay much attention to the incidental purchases that occur as part of a daily routine.
And, these buying habits hardly even factor in to your weekly, monthly or yearly budget. But, they should.
Tallying your bills doesn't exactly sound like the ideal weeknight or weekend, but budgeting is paramount. You can't truly measure your expenses without taking into consideration the big ticket items such as a mortgage, car, insurance, food and utility bills.
Where most consumers run into trouble is accounting for the smaller items on your list; the ones that you buy within the blink of an eye. You wouldn't be the first person to find yourself short on cash at the end of the month, even after you put together a previously thought iron clad budget.

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Once the fast food receipts, coffees, sodas and cigarettes are added to your expense report, your outlook goes from great to grim rather quickly. The trick isn't to merely slash with depravity in mind, but rather honestly hone your skills to adapt moderation to your spending repertoire.
Drinking coffee at home can save you a bundle, but if you simply can't live without your Starbucks or iced latte, then make a compromise between coffee and common sense: how about buying a fancier blend every second or third day?
The biggest deal breaker for most is the penchant for putting aside their brown bagged lunch in favor of a quick stop at a restaurant. Ditching the peanut butter and jelly sandwich and opting for a $7-10 lunch even three days a week means roughly $1500 per year spent eating out.
And that's just factoring in lunch, not to mention those consumers who can't skip their take out breakfast burritos or all you can eat dinner decadence.
Between the coffee and food, you're nearly $3000 per year lighter in the wallet. Worse yet, you have nothing to show for it, other than potentially a caffeine addiction and expanded waistline.
It's nice to indulge sporadically, but the key is to temper those tempting treats with some self control and sanity to boost your budget.

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