10 Everyday Splurges That Are Making People Poor

Most people do not go broke from one big mistake. It is usually the small, routine purchases that quietly chip away at their savings. These “little treats” don’t seem like a big deal in the moment but can add up to thousands over time. Here are ten often-overlooked splurges that may be sabotaging your financial progress without you even realizing it.

Fancy Grocery Store Runs

Quick stops for a “few things” at upscale grocery stores often lead to overspending. Organic snacks, imported cheeses, and pre-made meals cost double compared to regular stores. Shopping once a week at a budget-friendly store and sticking to a list can save a surprising amount.

Daily Energy Drinks

Energy drinks promise focus and stamina but drain your wallet instead. Spending $3 to $5 each day on caffeine adds up to more than $1,000 a year. Switching to home-brewed coffee or cold brew can keep your energy up without the hefty price tag.

Constant “Small” Home Decor Purchases

Those $10 candles, throw pillows, and mini décor pieces add up quickly. Retailers rely on impulse displays to make you feel like your home always needs refreshing. Waiting a few weeks before buying new décor often reveals how unnecessary most of those purchases were.

Premium Gas When It’s Not Needed

Many drivers fill up with premium fuel even when their car does not require it. That habit can cost hundreds more per year without improving performance. Check your owner’s manual—regular gas works just as well for most cars.

App Store Spending

It is easy to overlook small app or in-game purchases that charge your card automatically. Whether it is upgrades, filters, or “bonus lives,” these charges can snowball. Setting a spending limit or turning off in-app payments keeps those microtransactions under control.

Trendy Fitness Gear

Buying matching gym outfits, high-end yoga mats, or specialty supplements can feel motivating, but it rarely improves results. Regular workouts with basic gear or at-home routines can be just as effective for a fraction of the cost.

Constant Pet Treats and Toys

Pet owners love to spoil their animals, but the costs can spiral. Monthly treat boxes, boutique toys, and gourmet food add up fast. Most pets are just as happy with affordable treats or a few durable toys that last.

Frequent Gift “Extras”

When birthdays or holidays roll around, many people spend more on wrapping, cards, and “add-ons” than the gift itself. Keeping extra supplies at home and focusing on thoughtful gifts instead of extras can cut costs without reducing generosity.

Overusing Buy Now, Pay Later

Splitting purchases into smaller payments feels manageable, but it often encourages overspending. People tend to buy more when they do not feel the full cost immediately. Using these services only for true necessities helps prevent debt creep.

Over-Tipping on Every Order

Tipping culture has expanded far beyond restaurants, and now nearly every checkout screen asks for one. While generosity is good, tipping for every small purchase adds up fast. Adjusting to a reasonable standard helps you stay kind without overspending.

When Small Habits Cost Big

None of these habits feel extreme on their own, but together, they can quietly drain thousands each year. The key is not to cut out every indulgence but to notice the ones that bring little value. A few mindful changes can make a big difference in how much of your money actually stays yours.

This article first appeared on Cents + Purpose.