I’m sure when we all created our budgets (and if you haven’t yet, you may want to learn how to create a budget) we were easily able to identify a number of major expenses, and get rid of them accordingly. However, we don’t often pay attention to the little specifics which can accumulate to a huge amount. Here are ten things which, while they may seem harmless, can really add up to quite a bit.

Coffee. Lets say you spend $2 on a coffee every weekday. Since there are about 260 weekdays in a year, you’re spending an extra $520 every year on coffee. Have you considered brewing at home and brining it in a travel mug to work to cut down on those costs? Or maybe consider cutting the habit altogether!

Take-out Breakfast. They’re so tempting, as they’re just sitting right there when you order your coffee and who wouldn’t like to enjoy a nice muffin along with the morning brew? You can add another $520 per year if you’re one who succumbs to these cravings! By making your coffee at home or cutting the habit entirely, you also reduce your chances of making one of those impulse breakfast buys.

Alcohol. If every weekend you’re spending $20 on a pack of beer, a bottle of Jim Bean, etc, you’re spending over $1000 per year. The price everybody spends on alcohol varies differently, but if you’re finding that you’re spending that much, try cutting back a little bit. Maybe cut down on the number of drinks you have on the weekend, or drink the same amount but every other weekend, or once per month.

Convenience Store Snacks. They’re named that way for a reason. They are very convenient. Unfortunately, they’re also quite pricey, especially compared to supermarket items or making snacks at home. If you spend $2 a week at a convenience store on food you really don’t need, there’s an extra $100 gone over the course of the year.

Bottled water. While I realize people do have their own reasons for drinking the stuff, you’re generally spending around $1 per bottle. If you’re drinking 2 bottles per day, that’s an extra $600. Try investing in a high quality water filter instead.

Unused gym memberships. The average membership for a gym is $40 per month. While intentions may have been noble in January, lets face it: a lot of us let our gym memberships go unused. Unfortunately, this is costing you $480 per year, so you should just cancel your membership. Your pride may take a small blow, but at least your wallet won’t!

These are just some of the examples of little things which cost us a lot. If you fall victim to all of the above, you’re spending over $3200 per year more than you could be if you cut the above out of your habits. By further analyzing your spending, you’ll find places where you spend more than you should and you’ll be able to save yourself a lot of money as well.

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