The general perception about a budget is that it is long term planning and focuses primarily on big ticket items like having a lower car payment, buying a smaller house or completely eliminating high cost bills like cable, internet or your cell phone plan.
Those monthly charges certainly are worth more than just a second look, but some consumers tend to forget what they're spending every day and if that incidental buying is blowing up your budget.
Even the most ardent person tends to clearly map out all of his or her major expenses but forgets about ancillary purchases that happen daily and don't make it into your budgeting plans.
These expenses come in the form of anything from a daily cup of coffee from Starbucks, a bottle of Coke, cigarettes or even stopping in the morning for a bagel for breakfast each day. Perhaps you're someone who spends a lot of their time driving during the day for work, and opt to buy lunch every day instead of the traditional brown bag, even if you swear to yourself that your lunch comes with a modest price tag.
Let's say, for example, you're spending $6 a day on lunch, roughly three times a week. Add to that a $4 Starbucks coffee and a $2 bagel for breakfast each day and maybe a $5 energy drink to push you past those afternoon feelings of sluggishness.
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