Shocking Fact: The average full-time worker puts in approximately 225 days a year. The same average full-time worker who buys a cup of Joe every morning will pay more than $300 a year on their caffeine fix when all is said and done (and that’s not counting the $3.00 cake or muffin that often accompanies the morning drive.)

Anyone who’s tried saving cash knows that it is not an easy task. Anyone who’s tried to give up a bad habits knows that the experience is the same. However, cutting bad habits may not only improve ones day to day life ” it can improve cash flow as well. The costs of bad habits have been revealed.

Super-sizing your meal (and your waistline) can downsize earnings.

Is is Convenient? Yes. Is it Affordable? Yes. Is it generally not so great nutritionally? Yes! And is fast food more costly than brown bagging a few days a week or cooking a dinner at home? Double yes! Those value meals at iconic fast food joints may seem like a good bargain, yet in reality they’re not good for your bod or your bank account.

Example: A person spending only $3.50 for a meal once a week adds up to $14 a month, arriving at a year-end cost of $168 at year-end. $168 could buy 50 loaves of bread and 10 jars of peanut butter, or enough for more than 400 sandwiches!

A Savings of Smoke and Mirrors

Smoking isn’t just a health risk ” its a financial one as well. All day smokers spend more than one grand on tobacco products each year. That’s a family vacation! The average pack runs $4.70 and takes an even greater toll on ones overall health.

That Jolt of Joe can Jinx the Bank Account

Its coffee ” not the fresh start to a new day ” that often gets us up in the morning. Getting the coffee going at home has become somewhat of an afterthought in many homes today as coffee stores can be found on almost any where ” and many come with a drive-through! While its always nice to start the day with a jolt of Joe ” as stated in the beginning of this article ” its also a jolt to the wallet. For those who prefer a specialty drink – that $4 latte or tea, five times a week, turns into a frothy $20 by the end of the week. These daily habits can turn a total cost of nearly $1,000 a year!

The Sum Total

While the costs associated with bad habits are clear and accountable, the toll these vices can take on ones health and well-being could raise the stakes even more. Excessive stops to fast food joints and habitual smoking correlate directly with steeper health costs that can linger long-term. Health insurance companies take ones health habits into account and charge a higher premium to those whose vices are detrimental.

The pack a day smoker who downs a cup of coffee each morning and makes a drive through run twice a week is looking at charges upwards of $3500 spent on supporting their habits. What might happen should Mr. or Ms. Vice use that same amount and place it in a CD account earning a 5% annually? 12 months later Mr. or Ms. Vice would have an extra $140 – and on the intangible side of things ” a healthier life both physically and financially.

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