> To pretend the 12 bucks you spent on PBR and cigs is a better way to spend the money than to put it towards savings is the crux of the problem according to my

> To pretend the 12 bucks you spent on PBR and cigs is a better way to spend the money than to put it towards savings is the crux of the problem according to my personal experience. Expensive habits are terrible for your personal finances. I like to look at habits like that in a weekly, monthly, and yearly cost. Seeing that a $40/week habit is $2,080/year really helps me put my spending choices in perspective.