Young woman using the phone looking slightly concerned

Have you ever wondered where all your money goes at the end of the month? It’s easy to overlook small spending habits, especially when you’re only dropping a few bucks at a time. But those little purchases can add up faster than you think, quietly draining your budget without you realizing it. Recognizing these habits is the first step to taking control of your finances and finding room for savings. Here are seven examples that are draining your budget.

Coffee Runs Add Up

Coffee shop worker handing customer a bag and cups of coffee
Image Credit: Ground Picture via Shutterstock.

Grabbing a cup of coffee on your way to work can feel like a small indulgence, but have you ever stopped to consider how much you’re actually spending? What seems like pocket change each day can quietly add up to a significant chunk of your budget by the end of the month.

💸 Take Back Control of Your Finances in 2025 💸
Get Instant Access to our free mini course
5 DAYS TO A BETTER BUDGET

Let’s break it down and look at how this daily habit impacts your wallet—and how you can save without giving up your caffeine fix.

Monthly Coffee Costs

Barista putting a lid on a cup of coffee
Image Credit: Ivan Kurmyshov via Shutterstock.

Let’s do some quick math. If you’re spending $5 on coffee each weekday, that’s $25 a week—and $100 a month. Scale it up to a year, and you’re looking at $1,200 for coffee alone. Even if your coffee habit is more modest at $3 a day, that’s still $720 a year.

It may not feel like much when you swipe your card, but those small expenses pile up fast. Imagine what else you could do with that money—whether it’s saving for a vacation, padding your emergency fund, or paying down debt.

Healthier Alternatives

Coffee maker brewing a cup of coffee
Image Credit: Gioiak2 via Deposit Photos.

You don’t need to give up coffee to save money. Brewing your own at home can make a huge difference. A bag of quality coffee beans costs around $12 and can last you weeks. Compare that to spending $5 a day, and the savings become crystal clear.

Plus, making coffee at home puts you in control—you can experiment with flavors, adjust the strength, or even add store-bought syrups to make it feel like it came straight from the coffee shop. It’s not just easier on your budget; it’s also a small lifestyle tweak that pays off big over time. Why pay more when you can enjoy the same thing for less?

Dining Out Frequently

Older couples dining out together
Image Credit: Pressmaster via Shutterstock.

It’s easy to justify eating out, it’s just a quick lunch during your workday or treating yourself to dinner after a long week. While it may feel like a small convenience or reward, dining out adds up fast. Before you know it, those frequent meals out can bust your budget without leaving you with much to show for it.

The Impact on Monthly Spending

Tipping
Image Credit: Shutterstock.

Have you ever added up the cost of an average meal out? The typical restaurant meal costs $15–$20 per person, and that’s before tips or drinks. If you’re eating out even three times a week, that’s roughly $200–$300 a month. Multiply that over a year, and you could easily spend over $3,000 just on dining out.

These numbers can sneak up on you, especially when each meal feels like no big deal. Take a moment to think about how that money could be redirected—toward savings, paying off debt, or even a weekend getaway.

Plan Ahead

Woman prepping meals on her counter
Image Credit: Fevziie via Shutterstock.

The best way to cut back on dining out is to plan ahead. By prepping your meals at home, you not only save money but also gain control over what you’re eating. A single trip to the grocery store can provide ingredients for an entire week of lunches or dinners, often for less than the cost of a single restaurant meal.

For example, a $50 grocery bill can yield multiple meals, compared to two or three takeout orders. Start small—prepare a couple of go-to dishes every week. Not only is it healthier, but it also takes the guesswork out of meals, leaving you less tempted to order out.

Impulse Buying

Young blonde woman laying on the floor shopping on her laptop
Image Credit: VaDrobotBO via Deposit Photos.

Impulse buying seems completely harmless—grabbing an item at checkout or a promo deal online—but those spur-of-the-moment purchases can quickly throw your budget off track.

Retailers know how to catch your attention with flashy discounts or clever product placements, and it’s easy to fall for the thrill of buying something “just because.” While it feels satisfying at the time, these unplanned expenses can stack up before you even notice.

Understanding Triggers

Woman returning clothing to a cashier at a store
Image Credit: Odua Images via Shutterstock.

Ever wonder why you buy things you didn’t plan on? There’s a science to it. Retailers use strategies like bright signage, limited-time offers, or placing small items near checkout lanes to tempt you. Combine that with the “reward” your brain feels when you make a purchase, and it’s no surprise you end up spending more than intended.

Emotional triggers also play a role—feeling bored, stressed, or even excited can make you more likely to shop without thinking. Over time, impulse buying can become a habit, chipping away at your finances and leaving you with things you didn’t really need.

Set Limits

Woman purchasing something at a shoe store
Image Credit: Odua Images via Shutterstock.

The best way to get impulse buying under control is by setting clear boundaries. Start with a dedicated budget for non-essential purchases and stick to it. For example, give yourself a $50 monthly allowance for “fun” buys—once it’s gone, you’re done.

You can also create a rule to wait 24 hours before buying anything that wasn’t already on your list. This cooling-off period helps you separate “wants” from “needs.” When you set limits, you take back control and avoid those little splurges that drain your money over time.

Subscriptions and Memberships

Woman purchasing a subscription on a laptop
Image Credit: Panuwat Phimpha via Shutterstock.

Subscriptions are everywhere—streaming services, gym memberships, meal kits, even apps. It’s so easy to sign up for something and forget about it, but those small fees will chip away at your budget. Over time, the costs add up, often without you even noticing.

Hidden Costs

Image of Amazon subscribe and save
Image Credit: PixieMe via Shutterstock.

When was the last time you checked all your subscriptions? You might be paying for things you barely use—or worse, don’t use at all. That $10-a-month app you downloaded six months ago? It’s likely still pulling money from your account, even if you’ve forgotten it exists. A gym membership you signed up for in January might be quietly charging you, even if you haven’t set foot in months.

The problem with these lingering subscriptions is they often feel “small,” so you don’t see the impact. But $10 here, $20 there—it all adds up. Over a year, forgotten subscriptions can cost you hundreds of dollars without providing any value.

Review Regularly

Woman tallying receipts with a calculator
Image Credit: Nata Bene via Shutterstock.

The best way to fight creeping subscription costs? Review them on a monthly or quarterly basis. Take five minutes to go through your bank or credit card statements and look for anything recurring. Ask yourself: “Am I using this enough to justify the cost?” If not, cancel it.

For services you still love, consider downgrading to a cheaper plan or pausing memberships during months you won’t use them. Plenty of apps can help you track and manage subscriptions, but even a simple list or spreadsheet works. Taking the time to review and cut subscriptions can save you more money than you realize—and it’s one of the easiest budget fixes out there.

Grocery Shopping Without a List

Woman looking at groceries in store
Image Credit: Tonodiaz via Deposit Photos.

Walking into a grocery store without a list might seem harmless, but it can wreak havoc on your budget. Without a plan, you’re more likely to grab items you don’t need, spend money impulsively, and overlook essentials. And with the current price of groceries, you can’t afford to go overboard each week.

Unexpected Items

Man pushing shopping cart in grocery store
Image Credit: 1000 Words via Shutterstock.

Have you ever walked into the store for “just a few things” and left with a cart full of random items? That’s what happens when you shop without a list. Stores are designed to encourage unplanned purchases with strategically placed displays and sales. You could spot a new snack, an item on sale, or even something you didn’t know existed and suddenly “need.”

Each extra item might cost only a few dollars, but multiply that over weeks or months, and it adds up fast. What starts as a simple trip for milk and bread can quickly turn into an unnecessary $50 spending spree—all because you didn’t plan ahead.

Create a List

Hands holding a grocery list
Image Credit: G-Stock Studio via Shutterstock.

The best way to curb impulse grocery spending is by creating a list and sticking to it. Start by planning meals for the week and jotting down exactly what you need—no guesses or “maybes.” Use your phone’s notes app or an old-school paper list, whichever works for you.

To make it easier, organize your list by store sections (produce, dairy, frozen), so you’re not wandering around tempted by distractions. And don’t forget to check your fridge and pantry before heading out; you might already have things you’d otherwise buy again. With a solid list in hand, you’re far less likely to overspend—and more likely to keep your budget on track.

Bottled Water

Rows of plastic water bottles
Image Credit: Serezniy via Deposit Photos.

Grabbing a bottle of water may seem like a harmless choice when you’re out and about. It’s convenient, widely available, and easy to overlook as a small expense. But when you take a closer look, buying bottled water regularly can be a major drain on your budget without you even realizing it.

An Insane Markup

Man sitting down drinking a glass of water
Image Credit: VitalikRadko via Deposit Photos.

How much are you spending on bottled water each day? A single bottle might cost $1.50–$3, depending on where you buy it. Let’s say you purchase one every day—that’s $10–$20 a week. Over the course of a month, you could be spending $40–$80. Multiply that by a year, and suddenly, you’ve spent hundreds of dollars on something you can get for nearly free at home.

While a couple of bucks here and there seems minor, it adds up fast. Think about what you could do with that extra cash—save it, invest it, or spend it on something you actually need.

Save Money and Reduce Waste

Hand filling up a refillable metal water bottle at a water dispenser
Image Credit: Myboys.me via Shutterstock.

Using a reusable water bottle is one of the easiest ways to save money. Fill it up with tap water or use a water filter if you prefer. Not only will you cut out those recurring costs on bottled water, but you’ll also reduce plastic waste, which is great for the environment. A quality reusable bottle might cost $15–$30 upfront, but that’s a one-time expense. Compare that to spending hundreds each year on disposable bottles, and the savings are obvious.

Plus, reusable bottles come in insulated options to keep your water cold for hours—something a plastic bottle can’t do. It’s a small change with a big payoff for your wallet and the planet.

Make Simple Changes

Sophisticated blonde woman smiling and drinking coffee
Image Credit: PetroSeniv via Deposit Photos.

Paying attention to these everyday expenses is key to managing your money more effectively. Take a moment today to examine where your money is going and identify areas where you can cut back. Your future self—and your wallet—will thank you.

The Best Way to Control Your Holiday Spending

Woman working on her holiday budget
Image Credit: Anna_Os via Deposit Photos.

Wouldn’t it be nice to be able to enjoy the holidays this year instead of it being a 3-month long stress-fest? Wouldn’t it be nice to start the new year off with hope and excitement rather than fear and regret? I know exactly how that feels, and I know this year will be different for us, and it can be different for you, too…check out these nine tips for creating a holiday budget you can stick to. The Best Way to Control Your Holiday Spending

9 Ways Social Media Influences Your Spending Habits

Young brunette with glasses looking at her phone
Image Credit: ViktoriaSapata via Deposit Photos.

Social media is a huge part of our lives today, and it influences much more than just our relationships and social connections. It can also have a huge impact on how we spend our money. Here are 9 ways social media influences your spending habits.