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Indulging in vices can be one of the many joys in life, but overdoing it could be burning a major hole in your pocket. We all engage in bad habits, but whether it’s smoking cigarettes, binge drinking or frequently eating fast food, they all come with a high price tag—not to mention potential health concerns. Sure, five dollars here and there might not seem like much, but it’s surprising to see how much that will cost you annually.
To better understand how much your bad habits are costing you, we’ve created a bad habit calculator that lets you forecast the amount of money you’d save if you finally break your bad habits. What if you invested those funds? Or, used them to save up for a dream vacation?
Whatever your financial goal may be, saying goodbye to your bad habit once and for all is a practical way of achieving it. It’s never too late to make a life change, especially if it helps you keep money in your pocket.
Instructions: Input a value in the answer box for the annual total to instantly calculate. The average cost per item will appear automatically, but feel free to modify depending on your average spend.
How many packs of cigarettes do you smoke per week?
Cost per item:
You Could Save
How often do you eat lunch out per week?
How many times do you purchase a lottery ticket per month?
How many cups of coffee do you drink per day?
How many times per month do you withdraw money from an out-of-network ATM?
How many bottles of water do you drink per week?
How many cans of soda do you drink per week?
How many times do you eat fast food per week?
How many times a year do you pay your credit card bill late?
Cost per late payment:
How many times a year do you get a parking ticket?
Cost per ticket:
How many times a week do you go out to dinner?
What services do you use to binge watch?
How much do you spend on clothing per month?
How many alcoholic beverages do you drink per week?
How many gossip magazines do you buy per month?
If you quit all of your bad habits, you could save up to:
If you placed the amount of money you spend on bad habits in a savings account, you would generate:
*based on the national average APY of 0.06% from Federal Deposit Insurance Corporation.